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What You Should Know About Financing Dental Work

TeamGeneral Dentistry

It would certainly be nice if dental insurance plans covered all of the costs of dental care and you’d never need to pay a penny out-of-pocket. Unfortunately, even with the best possible plans, this isn’t the case––cosmetic dentistry is not covered by insurance and even procedures with functional and health benefits, like dental implants and Invisalign, are only partially covered, if they’re covered at all. Without dental insurance, the cost of needed care can be even more of a burden.

When you need dental care but can’t afford to pay for it, there are a few financing options to help you get the treatments you need.

Low or Zero Interest Credit Cards

West 10th Dental accepts payment with Visa, MasterCard, Discover, and American Express. Some patients choose to apply for a new credit card with a zero percent interest rate when faced with paying for a costly dental procedure. Zero percent interest rates typically only last for the first year after opening an account, so it makes the most sense to use this method if you anticipate being able to pay off your balance before the interest rate goes up.

Personal Loans

Another potential solution to help you finance your dental work is to take out a personal line of credit or loan from your bank or credit union. Meet with a loan officer at your financial institution and ask them to go over the different options you have for paying for your dental treatment and help you decide which is best for your circumstances.

If you do decide to apply for a loan, avoid payday loan providers. They charge unreasonable interest rates which can make these loans difficult to pay off. Online lenders that advertise dental loans for patients with bad credit are also best avoided. These online lenders are often predatory, charging substantial fees and high interest rates.

Use FSA or HSA Funds

If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you can use these funds to pay for the costs of dental treatments not covered by your insurance plan.


We are happy to partner with CareCredit to offer financing to our patients. One of the best solutions for paying for dental work, CareCredit is provided by Synchrony Financial, a trusted lender with over three decades of experience helping patients with medical and dental expenses. They offer low minimum monthly payments to fit into your budget and no interest financing options. Patients appreciate the quick and easy online application process, which provides instant approval so you can immediately know whether you qualify for financing and how much of your costs are covered.

CareCredit cards are accepted by over 200,000 other dental and medical practices across the United States. Even when you open an account to pay for dental treatments, you can still use your card for other health and wellness expenses, including veterinary care for your pets.

Learn More About Financing Dental Work

We never want our patients to delay needed dental treatment because of financial concerns. If you'd like to discuss the cost of your treatment and financing options, contact us at 212-982-5883 to schedule an appointment.