Dental implants can truly change your life. However, the cost can feel overwhelming. A single implant often costs thousands of dollars. Because of this, many people believe a new smile is out of reach. But there are ways to make it affordable.
In this blog, we will explore the best dental implant financing options for 2025. This will help you get the care you need without the financial stress.
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Why Financing Matters for Dental Implants
Getting a dental implant is a big financial commitment. In the U.S., a single implant can cost between $3,000 and $6,000 per tooth. These prices keep rising. Dental service costs went up by about 4.9% in just one year.
Most dental insurance plans do not help much. They usually cover very little, often only $1,000 to $2,000 per year. Many plans do not cover implants at all. Some only cover part of the treatment, like the crown. This leaves patients with high out-of-pocket bills.
In such cases, dental implant financing becomes important. It helps cover the gap between what insurance pays and what the dentist charges. With financing, you can make smaller payments over time. This makes it easier to start treatment without delay.
Many Americans face this problem. About 21% of adults say they delayed dental care because of cost. Financing can make the difference. It can give you a confident smile now instead of pain and regret later.
Types of Dental Implant Financing Options
Here are a few ways to pay for dental implants in the U.S. Each option has different benefits. Knowing them can help you find what works for you.
1. Payment Plans from a Dental Office
Many dental offices have their own payment plans. They are often flexible. You might get low or no interest, especially for a short time. A big plus is that you work directly with your dentist’s office. This makes the process simple.
2. Third-Party Financing
These companies give out loans for healthcare. You may know some like CareCredit or Sunbit. They act like a special credit card for medical bills. A lot of them offer a no-interest period. But you must pay off the full amount during that time. If you don’t, a very high interest rate can be charged on the whole bill. So, be very careful with this option.
3. Personal Loans
You can get a loan from a bank or online lender. The money is put right into your bank account. You then use it to pay your dentist. These loans usually have a fixed interest rate and set monthly payments. This helps you budget. If you have good credit, you will likely get a good interest rate.
4. Credit Cards with Special Offers
Some credit cards offer 0% interest for a short time. This is a good choice if you are certain you can pay off the full cost before the offer ends. If you don’t, the interest rate can get very high. It may even be applied to the entire amount you borrowed from the start.
5. Health Savings Accounts (HSAs) & Flexible Spending Accounts (FSAs)
You can use these accounts to pay for implants with pre-tax money from your job. This lowers the income you pay taxes on. However, these accounts have limits on how much you can put in each year. Because of this, they might not cover the full cost of your implants.
6. Dental Insurance Riders
Most standard dental plans don’t cover implants. But, some insurers offer extra plans for an added fee. These might give you limited coverage for a major procedure. Make sure to read the details. Look for waiting periods or limits on how much they will pay each year.
Best Dental Implant Financing Plans for 2025
It can be tough to afford dental implants, but many financing options are available. Let’s discuss the best plans for 2025 in the U.S. market.
1. CareCredit
CareCredit is a credit card for healthcare. It’s accepted at many dental offices. They offer short-term promotions, like 6 or 12 months with no interest. They also have longer plans with a fixed interest rate.
You can finance a few hundred dollars or tens of thousands. Promotional plans have 0% interest. But if you don’t pay the full balance in time, a high interest rate (around 32.99%) will be added to the original amount. Longer-term plans have a set, lower interest rate.
You need to be approved for credit. It’s often easier to get than a regular bank loan. People with good or fair credit. This is a great choice if you are sure you can pay off the full cost during the no-interest period.
2. LendingClub Patient Solutions
LendingClub offers personal loans specifically for medical and dental work. They give you a fixed interest rate and a set monthly payment. This makes budgeting easy. Loans are typically from $1,000 to $65,000.
Rates can be as low as 3.99% but can go up to 30.99%. Your rate depends on your credit score. You usually need a good credit score (660 or higher) and steady income for the best rates. You can check your rate without affecting your credit score.
Patients with good credit who want a stable payment plan with no surprises. It’s perfect for a single, large procedure.
3. Sunbit Financing
Sunbit lets you “buy now, pay later” right at your dentist’s office. The application is fast, and many people get approved. You can finance from $60 to $10,000. Rates range from 0% to 35.99%.
They use a soft credit check, so applying doesn’t hurt your credit score. They have a high approval rate. This makes it a good option if your credit is fair or limited. It’s perfect for the patients who need a quick and easy option for a smaller to medium-sized procedure, especially if they have less-than-perfect credit.
4. Proceed Finance
This is a top choice for very large dental procedures, like a full mouth of implants. They offer fixed-rate loans with long repayment terms. This helps keep monthly payments low. They offer loans from $2,500 to $75,000.
The loans have a fixed interest rate. They work with a wide range of credit scores. You can get pre-qualified without it affecting your credit. Anyone with a huge treatment plan who needs to finance a lot of money.
5. In-House Dental Office Plans
These are payment plans directly from your dentist’s office. No outside lender is involved. The amount you can finance depends on the dentist’s office and your treatment plan.
These plans often have 0% interest. They might ask for a down payment. It’s good for patients who have a good relationship with their dentist. It’s a simple, direct option without the fuss of an outside company.
6. Bank or Credit Union Personal Loans
You can get a regular personal loan and use it to pay for your implants. You can borrow from $1,000 to over $100,000, depending on the lender. The rates are fixed and depend a lot on your credit score. They can range from around 7% to over 35%.
This usually requires a good credit score and proof of income. Patients with excellent credit who can get a low interest rate. This is a stable, long-term payment plan.
Tips to Choose the Right Dental Implant Financing
Choosing the right way to pay for dental implants is a big deal. It can affect your money for a long time. Here are some simple tips to help you choose wisely.
- Compare APRs and Payment Terms: Don’t only look at the monthly payment. A low monthly payment might mean you pay for a very long time. This can lead to paying much more in interest. Instead, compare the APR and the total cost of each loan. A good plan has a low APR and a payment term that fits your budget without adding long-term debt.
- Ask About Hidden Fees: financing companies or loans have fees you don’t see upfront. These can include origination fees, which are a percentage of the loan amount, or penalties for paying off your loan early. Ask for a full list of all costs before you sign any papers.
- Check the Credit Impact: Know the difference between a “soft” and “hard” credit check. A soft check lets you see if you qualify for a loan without damaging your credit score. A hard check can lower your score for a short time. It’s smart to use soft checks to compare different options. Once you pick the best one, then you can go with the hard check.
- Think About Your Treatment Plan:The financing you need for a single implant is very different from what you would need for a full mouth restoration. Be sure the financing option you pick can cover the entire cost of your treatment. Some plans have a low limit, while others are made for big procedures.
- Consider Your Long-Term Finances: Before you agree to anything, think about your future. Will you be able to make this monthly payment comfortably in one, three, or five years? Dental implants are a great investment in your health. Your financing plan should make your life better, not add financial stress.
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Alternatives to Financing
If you don’t want to get a loan, there are other ways to pay for dental implants. Dental schools can be a good choice if you’re on a tight budget. They offer lower prices on services. Students perform implants, but they are watched closely by experienced professors.
Another option is to travel abroad for dental work. This is called dental tourism. Countries like Mexico or Costa Rica offer much lower prices for implants. The total cost can be a lot less than in the U.S., even with travel costs.
You can also use a Health Savings Account (HSA) or a Flexible Spending Account (FSA). You can use pre-tax money from these accounts to pay for your implants. This can help you save a lot of money. Lastly, it is a good idea to check for charitable foundations or grants. They are rare, but they might be able to help with the cost of a major dental procedure.
FAQs about The Best Dental Implant Financing Plans
How much do dental implants cost in the U.S. in 2025?
A dental implant in the U.S. costs $3,000 to $6,500. The price depends on the material, the surgery, and where you live. The cost usually includes the post, abutment, and crown. Ask your dentist for a full price list.
Does dental insurance cover implant financing?
Most dental insurance plans do not cover implants fully. Some may pay a small part. They almost never cover the full treatment. Financing is separate. It helps pay what insurance does not.
Can I get dental implant financing with bad credit?
Yes. Some companies approve people with low credit. Sunbit is one option. It uses a soft credit check, so your score is safe. Some dentists also offer their own payment plans. These can be easier to get.
Is it better to use a personal loan or CareCredit for dental implants?
It depends. A personal loan has fixed payments and a set interest rate. This is good for big treatments. CareCredit is a credit card for health costs. It works best if you can pay it off during the no-interest time.
What’s the longest repayment term for dental implant financing?
It depends on the lender. CareCredit goes up to 60 months. LendingClub and Proceed Finance go up to 84 months. Some bank loans last seven to ten years.
