Cosmetic Dental Financing For Bad Credit: How To Get The Smile You Want

Patient Dental Financing Knoxville TN Payment Options


When it comes to improving your smile, cosmetic dental procedures can be expensive. Unfortunately, many people with bad credit may not qualify for traditional financing options. However, there are still ways to get the dental care you need without breaking the bank. In this article, we’ll explore some of the options available for cosmetic dental financing for bad credit.

Understanding Your Options

Cosmetic dental procedures can include anything from teeth whitening to veneers and implants. The cost of these procedures can range from a few hundred dollars to several thousand. If you have bad credit, you may not be able to qualify for traditional financing options like personal loans or credit cards. However, there are still options available.


One option for cosmetic dental financing is CareCredit. CareCredit is a credit card specifically designed for healthcare expenses, including dental procedures. The card offers financing options with low interest rates and flexible payment plans. Additionally, CareCredit is available to people with less-than-perfect credit.

Dental Payment Plans

Another option to consider is dental payment plans. Many dental offices offer payment plans for cosmetic procedures. These plans allow you to pay for your treatment over time, usually with no interest. While these plans may not be available at every dental office, it’s worth asking your dentist about their payment options.


If you’re comfortable sharing your story with others, crowdfunding can be a viable option for cosmetic dental financing. Sites like GoFundMe allow you to create a campaign and share it with your social network. People can donate to your campaign, helping you raise the money you need for your dental procedure.

Home Equity Loans

If you own your home, a home equity loan may be an option for cosmetic dental financing. Home equity loans allow you to borrow against the equity in your home. However, it’s important to understand the risks involved with borrowing against your home. If you’re unable to make your payments, you could potentially lose your home.

Negotiating with Your Dentist

Finally, don’t be afraid to negotiate with your dentist. Many dental offices are willing to work with patients to find a financing solution that works for them. If you’re upfront about your financial situation, your dentist may be able to offer you a payment plan or discount on your procedure.


While bad credit can make it more difficult to finance cosmetic dental procedures, there are still options available. From CareCredit to dental payment plans, crowdfunding, and negotiating with your dentist, there are ways to get the smile you want without breaking the bank. Don’t let bad credit hold you back from achieving the smile of your dreams.