Yes-You Can Finance Dental Implants: Options, Steps, and Smart Ways to Pay

Can You Finance Dental Implants?

Yes, you can finance dental implants through third-party patient financing, in-office payment plans, medical installment credit, and personal lending options that may offer fixed terms, no prepayment penalties, 0% promotional periods, and fast decisions. Lenders such as LendingClub Patient Solutions advertise prequalification with no impact on your credit until you choose a plan, funding up to $65,000 for 6-84 months and direct payment to your provider upon approval [1] . Some practices also work with companies like Proceed Finance for no-collateral, full-amount loans and fixed-rate terms, often with rapid decisions and no prepayment penalties [2] .

How Dental Implant Financing Works

Most dental offices partner with third-party financiers so patients can spread the total treatment cost over predictable monthly payments. With platforms like LendingClub Patient Solutions, you may see multiple offers after a brief application and select a plan that matches your budget; the lender then pays your provider directly within a few business days after you sign the agreement, which may let you start treatment sooner [1] . Many practices also offer multiple pathways-credit cards, in-house arrangements, or dedicated medical lenders-to tailor affordability to your situation [3] .

Common Financing Options You Can Consider

1) Third-Party Patient Financing

Third-party financing is designed for medical and dental procedures. LendingClub Patient Solutions lists plan amounts from $500 to $65,000 across 6-84 months, with APRs advertised as low as 3.99% up to 30.99%; some plans may include 0% promotional financing, and there are no down payments or prepayment penalties listed in their program overview. They emphasize prequalification with no credit score impact until a plan is selected and provider payment within 1-3 business days after agreement signing [1] . Some practices also partner with Proceed Finance to offer no-collateral, fixed-rate options intended for larger, complex cases and highlight quick application decisions and no prepayment penalties; funds are typically paid directly to the practice so treatment can begin promptly [2] . Real-world example: a full-arch patient might finance the total case through a fixed-term loan, aligning payments with their monthly budget while starting surgery on schedule because the lender pays the clinic directly.

2) Buy Now, Pay Later (BNPL) and Medical Installment Credit

Some dental offices use BNPL-style platforms to break costs into installments. A number of practices cite Sunbit as an option, noting fast approvals, transparent terms, and plans ranging from shorter no-interest periods to longer fixed-term schedules; patients are generally advised to confirm acceptance with their provider or visit the company’s official page to learn more [4] . Practical tip: if your office supports this pathway, you may be able to finance preparatory procedures (like extractions) and the implant phases under one plan with straightforward due dates.

3) In-Office Payment Arrangements

Many clinics can discuss in-house options-such as staged payments tied to the clinical timeline-especially when insurance coverage is limited. Practices often list cash, check, and major credit cards, and some will help coordinate third-party financing while they submit claims to maximize any benefits you do have [3] . Example: a patient pays a deposit for diagnostics and planning, finances the surgical phase through a lender, and pays the final restoration balance through the office over several months.

4) Personal Loans, HELOCs, or Other Consumer Credit

Some patients compare personal loans or home equity options, weighing potential advantages like predictable rates against the risks and costs. Industry guidance articles note that home equity can carry lower rates than unsecured credit, but borrowing against your home adds collateral risk; retirement plan borrowing introduces repayment conditions and opportunity costs, and early withdrawals may involve taxes and penalties. A dental financing overview cautions patients to consider these trade-offs and consult advisors before using equity or retirement funds for care [5] . Action step: if you explore these paths, compare the total cost of credit over time versus medical financing programs designed specifically for dental treatment.

Step-by-Step: How to Get Financing Approved

Get a written treatment plan and cost estimate. Ask your implant provider for a detailed plan including phases (diagnostics, surgery, abutment, crown), timelines, and itemized fees; this helps you select a term length and monthly payment you can sustain. Many offices can pair this with recommended finance partners and will submit insurance claims to maximize benefits where applicable [3] .
Prequalify with a medical financing platform. With LendingClub Patient Solutions, you can review available plans without impacting your credit until you select one, then proceed if the terms fit your budget; the lender typically pays your provider directly after documents are signed, enabling a timely start [1] .
Compare total cost, not just the monthly payment. Fixed-rate, no-collateral medical loans promoted by some practices may include no prepayment penalties, letting you reduce interest by paying off early if your finances improve [2] . Review APRs, fees, and promotional terms carefully and confirm when interest applies.
Confirm your clinic receives direct payment. Direct provider payment is common and can streamline scheduling. LendingClub Patient Solutions indicates payment to providers within 1-3 business days after agreement execution, helping you avoid delays [1] .
Lock in timelines and coordinate phases. Ask your office to align financing draw or payment timing with surgical and restorative appointments. Clinics that use established partners often have clear processes for quick decisions and same-week starts when appropriate [2] .

Realistic Expectations: What to Watch Out For

Financing access does not guarantee the lowest cost. Always evaluate the annual percentage rate (APR), promotional terms, and any fees. LendingClub Patient Solutions’ program outline shows a wide APR range with terms up to 84 months, so monthly affordability may vary significantly by credit profile and plan type; verify whether 0% promotional offers apply to your case and how long they last [1] . When a practice mentions fixed-rate, no-collateral loans and quick decisions via a partner like Proceed Finance, ask for concrete disclosures, repayment examples, and any conditions tied to approval to avoid surprises later [2] . If you consider home equity or retirement borrowing, weigh the collateral and tax implications outlined in consumer guidance and consult a financial professional before proceeding [5] .

Alternative Pathways if You’re Not Approved Initially

If your first application isn’t approved, you still have options:

Ask your dental office about alternative finance partners. Many clinics work with more than one company and may offer different products including BNPL-style plans; some offices specifically note that options like Sunbit are intended to help those with less-than-perfect credit and provide rapid decisions with transparent terms [4] .
Explore staged treatment with in-office payment scheduling. Practices often accept multiple payment methods and can sequence billing to match clinical milestones while they help maximize insurance benefits when available [3] .
Reapply after improving your profile. Paying down revolving balances or adding a co-applicant may improve available APRs and terms with medical financing providers that present multiple plan options after soft prequalification [1] .

Action Plan: How to Get Started Today

Call your implant provider. Request a full written estimate and ask which financing partners they use. Confirm whether they accept medical installment credit options and if they coordinate direct payment from the lender to the practice [3] .
Prequalify for medical financing. Consider prequalifying through a patient financing platform so you can compare terms, amounts up to the level you need, and promotional options while avoiding a hard credit pull until you choose a plan [1] .
Ask about fixed-rate, no-collateral options. If your case is complex or full-arch, ask your clinic whether they work with lenders that provide full-amount, fixed-rate loans with no prepayment penalties and quick decisions, and verify terms in writing [2] .
Evaluate alternatives cautiously. If you’re considering BNPL, home equity, or retirement plan borrowing, confirm the risks, timelines, and disclosures; practices highlighting BNPL tools and consumer articles on equity/retirement borrowing advise careful review and consultation before committing [4] [5] .

Key Takeaways

You can finance dental implants through specialized medical lenders that offer a range of amounts, terms, and APRs-with prequalification that may not impact your credit until selection, direct provider payment for faster scheduling, and options designed for complex cases. Dental offices frequently coordinate these programs and can guide you through in-house arrangements or alternative pathways when needed [1] [2] [3] . Always compare the total cost of credit and confirm terms in writing before proceeding.