Even with dental insurance, patients often still can’t get expensive treatments free of charge, and most of the time, they still have to pay for a regular checkup. Patients are forced to pay for up to half of the total treatment cost for major treatments such as cosmetic surgeries. Most are unable to do so. Has this ever happened to you? If these limitations are what’s holding you back from regular dental visits, don’t worry: Now you can finance dental procedures upfront and pay it in easy monthly payments.
What is a Dental Loan?
A dental loan is a specific type of medical loan that is offered to patients, allowing them to pay for dental procedures and expensive cosmetic surgeries. Like medical loans and traditional loans, they are not accessible to everyone. This is because lenders will not approve these medical loans unless they know that you are able to pay it. Most of the time, this is determined by your income and your credit score. Lenders don’t offer loans to patients with a low credit score, leaving patients with few other choices. Denefits, however, strongly believes that a person’s credit score should not dictate whether they receive medical treatment or not.
What is Dental Finance?
Many patients who are seeking dental treatment are not aware that there are other alternatives to medical loans and medical credit cards. There is an option provided by Denefits that does not require a lengthy process and more importantly — does not require credit checks. Our unique dental financing process was specially made to offer you a high chance for approval. We believe that patients shouldn’t be judged solely by their credit scores. We understand that bad experiences and financial problems in the past can lower your credit score. We are able to give instant financing and approve 100% of the patients that apply.
Why Choose Dental Financing Over Dental Loans?
Paying upfront for treatment is not possible for all patients. In such situations, dental financing can be a good payment option for those patients. With a dental financing option, you can pay for your dental bills over time instead of paying all at once. Denefits allows you to turn that $3,000 medical bill into an easy low monthly payment. We know that not everyone is able to pay for a lump sum of the payment all at once.
Save Your Credit Card for Emergencies
Most medical credit cards nowadays impose heavy APRs and conditional penalties for late payments — with frustrating results. With dental financing from Denefits.com, you can have:
- Easy access
- Hassle-free financing
- Affordable monthly payments
Easier Than a Dental/Credit Card
Most medical credit cards won’t tell you about hidden charges or conditional penalties that they may impose on you with high APR during the treatment process. With Denefits dental financing, we ensure you that there is No Credit Check, no hidden fees, and that terms are presented to you while signing the contract. We pride ourselves in being 100% transparent.
One of the unique features that set us apart from the rest of the financing companies is our Social Payments™ feature. With this unique feature, family and friends are now able to directly help you pay your monthly payments. Denefits gives you these options so you won’t have to settle for one.
|Dental Loans||Dental Finance|
|A dental loan is a type of personal loan used to pay for dental surgery and other costs. Like many medical loans, they tend to be unsecured. This means lenders rely on your credit score and your ability to repay rather than requiring you to supply collateral.||A dental financing plan is a popular option for patients who are considering cosmetic dental treatments. It allows you to spread the cost of your treatment over an agreed period that fits within your budget.|
|1. Credit Checks: |
Need a dental procedure but don’t have insurance? For many people who are dealing with the stress of living paycheck, a random toothache can really make life difficult. But there are platforms like Denefits that provide patients with dental loans, even when the patients are not sure whether they should go for their treatments or not. That leaves you with two alternatives: delay the procedure while you set aside enough money to cover the cost, or find the right financing. Having some good features makes it easy for doctors to grow their practices and for the patient to get their treatments.
|1. No Credit Checks:|
There are some patient financing platforms which approves financing without checking the credit score. So even if a patient/ guardian has a low credit score, the patient can, in any case, be financed. Because credit score is not the only criteria to assess a patient’s potential to repay a medical debt. So irrespective of your credit score, these platforms approve patient financing. Moreover, healthcare providers can finance patients denied by other financing companies as well.
|2. Payment plans|
Many dental practices have payment plans that allow you to pay off the cost of your procedures a little bit at a time. Assuming that you cannot pay the full amount upfront, payment plans are hands down your best option for financing dental work. The patient will get flexible payment plans.
|2. Payment plans |
The patient will also get flexible payment plans in financing.
|3. Treatment Delay|
Dental work can be costly, and even with dental insurance, checkups are still expensive. Important procedures and cosmetic surgery often come with hefty price tags.
|3. No Treatment |
delay Currently, you’ll simply get treatment at your budget. Get instant approval within 3 minutes
|4. No Flexible Terms||4. Flexible Terms|
Not everybody can understand the terms and conditions so merely. There’ll be many reasons for it. But presently these terms are simple to know. These cash terms like the rate of interest, payment, late fee charges, etc set by the suppliers.
|5. There are no other platforms which offer Social Payments™.||5. Social Payments™|
Make payments through friends and family by sharing a link to their balance or funding page. A patient can share the links through social media, email, etc and the friends & family can make small payments towards the balance.