Dental Financing Options
We have worked hard to find the best financing options for our patients. Below is a list of lenders, lender aggregators, & financial tools that we think are useful to patients seeking dental financing. We have reach out to the companies below and often signed up for their platforms ourselves. Some companies offer incentives such as sign-up bonuses & money back offers.
Some companies may even compensate our accounts just by clicking the links below. Each company is different, and the way they operate is different. It is up to you to learn the details of each loan offer you receive, however we have done some of the ground work for you. We recommend signing up to all the companies that look good to you!
5.99% – 20.25% APR
Loan Amount - $5,000 - $100,000
Personal Loan
We recommend checking your credit & rates with SoFi before starting your loan search. It's important to know this before applying to many different places.
SoFi is a fantastic app that many SOTA Dental patients have had luck with. They offer personal loans as well as other finance tools in an easy-to-use interface. They also give $300 to patients who qualify if you use our link below. We signed up for their "refer-a-friend" program, and you can too. We have vetted this company personally and can attest to their services.
We recommend checking your credit & rates with SoFi before starting your loan search. It's important to know this before applying to many different places.
SoFi is a fantastic app that many SOTA Dental patients have had luck with. They offer personal loans as well as other finance tools in an easy-to-use interface. They also give $300 to patients who qualify if you use our link below. We signed up for their "refer-a-friend" program, and you can too. We have vetted this company personally and can attest to their services.
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Loan Amount - $5,000 - $100,000
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Loan Amount - $5,000 - $100,000
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No account fees
Click Here
Available in 3 days
Popular
5.99% – 24.99% APR
Loan Amount - $5,000 - $40,000
Personal Loan / Credit Card Consolidation
Payoff is a lender that we highly recommend! They offer personal loans at great rates for up to $40,000. They also have a great program for consolodating your credit cards, to help free up your current lines of credit.
SOTA Dental All-on-X patients have had great luck with Payoff. As long as you have a 640 Fico or above, we recommend trying Payoff at the beginning of your dental financing search.
Payoff is a lender that we highly recommend! They offer personal loans at great rates for up to $40,000. They also have a great program for consolodating your credit cards, to help free up your current lines of credit.
SOTA Dental All-on-X patients have had great luck with Payoff. As long as you have a 640 Fico or above, we recommend trying Payoff at the beginning of your dental financing search.
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Loan Term - 2 to 5 years
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Minimum Credit Score - 640 Fico
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Origination fee of 0% to 5%
Click Here
Available in 24 hours
Popular
Low Fixed Rates
Loan Amount - $5,000 to $100,000
Medical Loan
We’ve teamed up with LightStream to offer low-interest financing to people with good credit (US residents only). LightStream has an easy online application process, and provides a quick response during business hours. This is a confidential process between you and LightStream.
Lightstream is perfect for All-on-X patients looking to finance more expensive dental cases. We have partnered with LightStream and are compensated by LightStream through the link below.
We’ve teamed up with LightStream to offer low-interest financing to people with good credit (US residents only). LightStream has an easy online application process, and provides a quick response during business hours. This is a confidential process between you and LightStream.
Lightstream is perfect for All-on-X patients looking to finance more expensive dental cases. We have partnered with LightStream and are compensated by LightStream through the link below.
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Loan Term - Flexible
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For good to excellent credit profiles
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No account fees
Click Here
Same day funding available (conditions apply)
Popular
5.99% – 35.99% APR
Loan Amount - $500 to $10,000
Personal Loan
Bad Credit Loans is a lender aggregator working specifically with people who have poor credit. After submitting your information on their website, they put your application in front of many lenders. Their goal is to get you financed, so we recommend giving them a shot if you have had problems finding financing in the past.
Bad Credit Loans is a lender aggregator working specifically with people who have poor credit. After submitting your information on their website, they put your application in front of many lenders. Their goal is to get you financed, so we recommend giving them a shot if you have had problems finding financing in the past.
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Loan Term - 1 to 5 years
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Specifically for bad credit
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No fees
Click Here
Available in 24 hours
Popular
Mixed Rates
Loan Amount - $500 - $100,000
Emergency Loan
Round Sky & Medical Loans365 are not lenders themselves, rather they focus on getting your application in front of as many different types of lenders as possible. SOTA Dental patients who have submitted their information with MedicalLoans365 have often received great offers from many different lenders.
The information requested on their questionnaire is rather personal, but we can attest to the professionalism of the company & that it their form is encrypted with 256-bit technology. If you've had trouble getting a loan or financing in the past, we recommend trying here.
Round Sky & Medical Loans365 are not lenders themselves, rather they focus on getting your application in front of as many different types of lenders as possible. SOTA Dental patients who have submitted their information with MedicalLoans365 have often received great offers from many different lenders.
The information requested on their questionnaire is rather personal, but we can attest to the professionalism of the company & that it their form is encrypted with 256-bit technology. If you've had trouble getting a loan or financing in the past, we recommend trying here.
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Loan Term - 1 to 2 years
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Minimum Credit Score - None listed
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Fees - None
Click Here
Available in 24 hours
Popular
Mixed Rates
Loan Amount - $5,000 to $35,000
Personal Loan
Axos Bank is a well known lender offering an array of loan options, including personal loans for dental emergencies. We recommend looking into their "Personal Loan for Major Purchases" section of their website to understand their different options.
Axos Bank requires a FICO score larger than 720 and 2 years of established credit history.
Axos Bank is a well known lender offering an array of loan options, including personal loans for dental emergencies. We recommend looking into their "Personal Loan for Major Purchases" section of their website to understand their different options.
Axos Bank requires a FICO score larger than 720 and 2 years of established credit history.
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Loan Term - 1 to 5 years
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Flexible lending criteria
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No prepayment penalty fee
Click Here
Available in 2 days
Popular
6.63% – 1386% APR
Loan Amount - $1,000 to $35,000
Personal Loan
LendYou is a lender aggregator who gets your application in front of multiple lenders. LendYou offers different types of loans at mixed rates, but specifically has good rates on personal loans (as low as 6.63%). With loan amounts as high as $35,000, we feel like LendYou is a good option to look into.
LendYou has a nice website and app interface, which makes them even easier to use.
LendYou is a lender aggregator who gets your application in front of multiple lenders. LendYou offers different types of loans at mixed rates, but specifically has good rates on personal loans (as low as 6.63%). With loan amounts as high as $35,000, we feel like LendYou is a good option to look into.
LendYou has a nice website and app interface, which makes them even easier to use.
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Loan Term - 1 to 5 years
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Minimum Credit Score - 580 or none
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Origination and other fees of 0% to 8%
Click Here
Available in 24 hours
Popular
Emergency Financing Options
The lenders below offer quick loans for emergency situations. These are usually small loans with higher interest rates than personal loans, so it is recommend that you only use these when you plan to pay them back quickly.
59% - 160% APR
Loan Amount - $500 - $4,000
Personal Loan
OppLoans offers 3 different types of loan options to customers. Their maximum loan option is $4,000, so keep that in mind before applying with them. They have a specific program for people with bad credit, so this may be worth looking into if you've had trouble getting financing in the past.
OppLoans offers 3 different types of loan options to customers. Their maximum loan option is $4,000, so keep that in mind before applying with them. They have a specific program for people with bad credit, so this may be worth looking into if you've had trouble getting financing in the past.
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Loan Term - 1 to 2 years
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Bad Credit Loans
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Fees - None
Click Here
Available in 24 hours
PAYMENT PLAN
Loan Amount - $200 to $1,500
Small Personal Loan
Zoca Loans offers only a maximum of $1,500, which is really only useful in a quick dental emergency...but we feel they are worth mentioning. Zoca Loans has an "instant approval" feature that seams faster than most companies out there. They have a unique $99 payment structure that appeals to some people as well.
Only look into Zoca Loans if you intend to pay back your loan quickly, as the interest can become high if you don't.
Zoca Loans offers only a maximum of $1,500, which is really only useful in a quick dental emergency...but we feel they are worth mentioning. Zoca Loans has an "instant approval" feature that seams faster than most companies out there. They have a unique $99 payment structure that appeals to some people as well.
Only look into Zoca Loans if you intend to pay back your loan quickly, as the interest can become high if you don't.
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Loan Term - $99 per month
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Instant approval
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No prepayment penalty fee
Click Here
Available in 24 hours
Popular
Other Financing Options
Below is a list of similar lenders we have found useful. We are not affiliated with the lenders below, however they offer many of the same rates & offers as our recommended section. When looking for financing, it's good to know your options!
7.99% – 35.89% APR
Loan Amount - $1,000 to $50,000
Personal Loan
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Loan Term - 3 or 5 years
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Minimum Credit Score - 620
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Origination fee of 1.5% to 6%
Click Here
Available in 24 hours
Popular
9.99% – 35.99% APR
Loan Amount - $2,000 to $25,000
Personal Loan
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Loan Term - 2 to 4 years
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Minimum Credit Score - 585
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Fees - 0% to 6%
Click Here
Available in 24 hours
Popular
8.89% – 35.99% APR
Loan Amount - $1,000 to $50,000
Medical Loan
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Loan Term - 3 or 5 years
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Minimum Credit Score - 580 or none
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Origination and other fees of 0% to 8%
Click Here
Available in 24 hours
Popular
9.95% – 35.99% APR
Loan Amount - $2,000 to $35,000
Personal Loan
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Loan Term - 2 to 5 years
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Minimum Credit Score - 600
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Fees - 0% to 8%
Click Here
Available in 24 hours
5.99% – 29.99% APR
Loan Amount - $2,000 to $35,000
Personal Loan
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Loan Term - 3 or 5 years
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Minimum Credit Score - 670
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No Fees
Click Here
Available in 24 hours
6.95% – 35.89% APR
Loan Amount - $10,000 - $40,000
Personal Loan
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Loan Term - 2 to 5 years
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Minimum Credit Score - 640
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No Fees
Click Here
Available in 48 hours
5.99% – 29.99% APR
Loan Amount - $1,000 - $40,000
Personal Loan
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Loan Term - 3 or 5 years
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Minimum Credit Score - 600
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Origination fee of 1% to 6%
Click Here
Available in 24 hours
6.95% – 35.99% APR
Loan Amount - $2,000 - $35,000
Medical Loan
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Loan Term - 3 or 5 years
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Minimum Credit Score - 640
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Origination fee of 2.4% to 5%
Click Here
Available in 1 week
5.99% – 28.99% APR
Loan Amount - $3,500 to $40,000
Personal Loan
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Loan Term - 3 or 6 years
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Minimum Credit Score - 700
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No Fees
Click Here
Available in 24 hours
