Frequently Asked Questions

  1. What types of finance programs do you offer?
  2. How do I find a Dentist in my area? Can you refer me to a Dentist in my area?
  3. What are your current interest rates?
  4. What are your credit requirements?
  5. How do I apply and how long will it take to get an answer on my credit application?
  6. If I am initially declined can I reapply with a co-signer?
  7. Once my loan is approved, what is the next step?
  8. How long do I have before my loan approval expires?
  9. When will my first payment be due?
  10. What types of procedures do you finance?

What types of finance programs do you offer?
 

DentalLoans.com provides patients attractive financing programs for all levels of credit with many options available. We offer "No Interest/Same as Cash Financing" for 3, 6 and 12 months. This unique program not only allows you to save interest, but gives you the flexibility to effectivly manange your budget.

Additional Features of our loans include:

  • Loan amounts from $1,000 to $30,000+
  • Loan terms up to 84 months (O.A.C.)
  • Revolving credit lines for lower monthly payments
  • Fixed Interest rates from 5.9% (O.A.C.)
  • Multiple loan options
  • No prepayment penalty
  • Fast, confidential application process at no charge
  • No interest programs 3, 6, or 12 months
  • Highest approval rates
  • Loan programs for multiple levels of credit

How do I find a dentist in my area? Can you provide a referral to a Dentist in my area?
 

DentalLoans.com has an extensive network of participating Dentists for patient financing. If you have a chosen Dentist that is not currently a participant in our finance program, our provider relations representatives will make immediate contact with the dental office and make financing arrangements. All we ask of you is to provide us with the name and telephone number of your chosen cosmetic dental specialist.

If you require a dentist referral, our provider relations representatives will provide you with the up most qualified cosmetic dentists for your desired procedure along with the best price value. We can set up a free consultation to meet with dentists in your area allowing you the opportunity to get informed and choose your desired dentist.

What are your current interest rates?
 

Depending on which program you qualify for or choose from, there is no interest on our No Interest Financing programs for the first 3, 6 or 12 months of your loan. Interest rates will vary depending on your credit background and which programs your dentist participates in. Interest rates start at 5.9% and go up to 22.9% on our standard repayment programs. This translates to not only the lowest but the broadest range of interest rates allowing patients of all levels of credit the highest prospect for loan approval.

What are your credit requirements?
 

The credit requirements for DentalLoans.com are designed to provide the broadest range of loan options for patients of all levels of credit. Your credit profile and credit history will be the main deciding factor in your loan consideration. See our credit resource section to help you understand your credit profile. If your credit profile and credit history does not initially meet the approval requirements, the next step would be to reapply with a qualified co-signer. Please feel free to contact us for assistance or if you have any questions.

How do I apply and how long will it take to get an answer on my credit application?
 

DentalLoans.com prides itself in its customer service and efficiency. If you apply online, upon completing your application you can call our office during business hours from 7:00 am to 5:30 pm Monday thru Friday to get an immediate answer or await an e-mail response. E-mail response time varies depending on how many underwriters are reviewing your loan application to provide you the best loan options. If you or your dentist fax us your application we will fax back an answer to your dentist within minutes of receiving a completed application. If you apply by phone, we can give you a credit decision upon completion of your application.

If I am initially declined can I reapply with a co-signer?
 

Yes, DentalLoans.com allows both relatives and non-relatives as co-signers. Your co-signer however needs to have a good credit profile and history with no current delinquencies or collections. To reapply with a co-signer, simply go to our online application and check the appropriate box "I am reapplying with a co-signer" so that you do not need to refill all of your application information again rather only the co-signers information.

Once my loan is approved, what is the next step?
 

Following your loan approval notification, please promptly call your loan consultant and provide the following three important items of information:

  1. The scheduled procedure date
  2. The procedure amount
  3. Dentist's name (if you have not chosen a dentist, please be sure to notify your loan consultant to provide you with a referral)

It is crucial to have your loan documents completed and returned to us promptly prior to your procedure date. Dentists generally require payment in advance and any delay may postpone your procedure date.

How long do I have before my approval expires?
 

Depending on the type of loan you have been approved for, your loan approval is either good for 30 days or for 365 days from the date of the original approval. If your cosmetic dental procedure date will take longer than 30 days to schedule, please be sure to notify your loan consultant to make appropriate arrangements.

When will my first payment be due?
 

Your first payment due date depends on the type of your loan. Traditionally, your first payment is due 30 to 45 days from the date you signed your loan documents or the date of your cosmetic dental procedure.

What types of procedures do you finance?
 

DentalLoans.com provides financing for all elective medical and dental procedures. Below are examples of different types of procedures for financing. If you have a medical or dental procedure that is not listed below, please contact our office and provide us the details of your procedure.