Banks
  • Typically have the highest interest rates.
  • Often have the strictest qualifications.
  • May get lower rates or better terms if you’re an existing customer.
  • May not offer loans specifically for dental procedures.
Credit Unions
  • Must be a member or apply for membership.
  • Interest rates are lower than banks.
  • May consider factors other than credit score.
  • May not offer loans specifically for dental procedures.
Online Lenders
  • Some offer to lenders with bad credit.
  • Best interest rates.
  • Most flexibility with qualifications for eligibility.
  • Can get prequalified to see estimates rates and terms.
Your dentist
  • May offer financing plans in-house.
  • May partner with a lender to offer better rates and terms.
  • May be more flexible with qualifications and repayment terms.