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Dental Loans

Many people don’t have dental insurance or sufficient coverage to pay for the costly work needed for their teeth. Our dental loans make it possible to get the care you need now without delaying treatment or worrying about your budget.
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What is a Dental Loan?

Dental loans are a type of personal installment loan that you specifically use for dental health purposes. Dental financing helps you pay for dental procedures, particularly for major treatments such as root canals, crowns, and veneers.

We provide personal loans for dental work to help you take the best care of your teeth, especially when necessary treatments aren’t fully covered by insurance. A dental loan can give you control over your health with greater flexibility and peace of mind.

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How Does Dental Financing Work?

Our financing options for dental implants and other procedures work like our other personal loans, in that you apply for a specific loan amount and receive fast approval if you qualify. Once you receive your loan funds, you can use that money to pay your dentist directly. Then, you’ll repay your loan back to us in affordable monthly installments. You can use dental loans for everything from implants to braces, Invisalign, extractions, root canals, dentures, fillings, bridges, crowns, and cosmetic dentistry procedures. Our dental financing options might be ideal for you if you don’t have dental insurance or have just limited coverage. If you’re facing a costly procedure and want predictable monthly payments without having to use a credit card, we can help.
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“Amazing customer service, everything was explained down to the last detail. Definitely going to recommend my friends and family to them!”
Bekkah GarciaHarlingen, Texas
“Great customer service! The ladies here always make me laugh when I walk in the door! They make my day with their positive and fun energy.”
Jaleesa VaristeRound Rock, Texas
“Great service and staff! They really helped me out with what I needed I recommend this place 100%!"
Ruben LozanoBrownsville, Texas
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How to Apply for a Dental Loan

You can apply for dental financing with Western Shamrock in several easy, convenient ways. In fact, you can apply online today, visit your local branch, or contact us to provide application details over the phone.

When you are searching for dental implant loans or need a loan for braces, we make the process simple with a quick application, fast approval, and the flexibility to pay your dentist right away. Our predictable payment schedule will help ease your mind as you go into your dental treatment with confidence that your medical bills won’t go into collections and impact your credit.
Loan applicants can receive a follow up as soon as half an hour after submitting their application. Offers are made on the basis of debt-to-income ratio, among other previously stated factors, instead of an individual credit score. We understand that there is more to financial eligibility than your credit, and we evaluate all of these factors to give applicants a better chance of getting approved.

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Common Questions About Dental Loans

Most borrowers apply for dental loans at least a week or two before their scheduled appointment to ensure they have enough time to get approved and receive the money. However, if your dental situation is unexpected or urgent, rest assured that we can often provide same-day or next-day dental loans to help you quickly get the care you need.
Dental financing may be a good fit if you know you need a tooth procedure soon but prefer managing affordable monthly payments rather than paying your dentist the full amount upfront. Loans for dental work are also ideal if you have limited or no dental insurance, want to avoid using high-interest credit cards for payment, and need money for something expensive like braces or implants.
Dental loans can help you cover tooth procedures that aren’t covered by insurance and give you predictable monthly payments to take care of the total cost. They also help you avoid delaying essential dental care and come with flexible loan amounts and quick approval.
To qualify for dental loans, you’ll need to provide us with a valid ID and proof of residence, income, and employment. We’ll assess your credit history, but we also take a variety of factors into account when making loan decisions, beyond just your credit score.
Western Shamrock regularly works with borrowers who have little or no credit history. It’s often worth applying for a dental loan, even if you’re not confident about your credit, because we base our approvals on multiple factors beyond credit.
Yes, a credit check is typically required as part of the dental loan application process. Although a credit check may temporarily impact your credit score, you can build your credit with on-time monthly payments on your dental loan.

You may begin your dental loan online application from home. You can e-sign or complete the process in person at a local branch. A representative from your nearest branch will promptly contact you upon receipt of your application to discuss the next steps for obtaining dental financing.

We Look Forward to Assisting You with Our Dental Financing Options!

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