Dental Credit Card vs. Dental Loan

Which is right for you, a dental credit card or a dental loan?

Dental Credit Card

  • Applying can negatively impact your credit score
  • Frequently found to have hidden fees and charges
  • Stiff late payment penalties
  • Can be lost or stolen
  • Not universally accepted

Many dentists will not accept a dental credit card for every procedure. With a dental loan from, we provide funds within 1-3 business days of approval, so there is only a small delay or pending period in processing payment when compared with a dental credit card.

Dental Loans

  • No-risk application that does not affect credit score (however, accepting the loan terms will result in a hard inquiry)
  • Competitive monthly payments
  • Freedom to choose the financing option that fits you

Dental offices prefer dental loans over a dental credit card because it means they get paid faster. Plus, it’s easier for you, so you can focus on what matters most to you: your smile.

Click here to see what financing options you qualify for!