Financing

Reliable Ways To Obtain Dental Financing In Brea, CA

Financing, Brea, California

Maybe you need a filling or a dental implant, or you'd like to take advantage of our teeth whitening service. But money's tight, and you're not sure how you're going to swing the cost. Maybe your insurance won't cover what you expected it to. Don't worry, we totally understand your concerns about financing dental work. That's why we're happy to offer not one but three ways to finance your visit, as a dentist that take Care Credit, Lending Club, and Denefits. Read on to learn more, or give us a call at (562) 356-0948 with any questions you may have about dental financing.

What is Dental Financing?

The process of dental financing revealed

If you're having concerns about how to pay for your dental visit, you may be considering financing. But how does dental financing for patients work, exactly? Dental financing typically involves borrowing money for your dental visit, and then making monthly payments until that amount is paid off. Usually, that amount includes fees and interest on the borrowed money. There are a few types of dental financing that work well for patients. They include: A personal loan. These kinds of loans often do not require collateral to be secured, which is a plus. But that's why the lender will usually look at your credit history and other factors before deciding that you can repay the loan amount. This may not be the most viable option for dental financing bad credit. A medical credit card. This is similar to a regular credit card, but it can only purchase healthcare services, and they must be within the network of providers

who accept the card. Some medical credit cards will offer deferred interest, meaning that if you can pay the entire balance before a specific time, you won't have to pay any interest at all. However, if you can't make that time period, then you'll have to pay all the interest that grew from the beginning. A regular credit card. Credit cards exist that offer an introductory 0% APR (annual percentage rate) for a certain time period, often between 12 and 21 months. Once the period for the 0% APR ends, the APR will then be based on your credit score and other factors. Of course, if the balance isn't paid by that point, you'll have to pay interest. Navigating the world of dental financing can be a challenge, especially if you have bad credit. Finding the option that offers the most in up-front costs while minimizing interest is ideal. Be sure to contact us if you have any questions. We're here for you!

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How do I qualify for CareCredit?

The process of how to apply for Care Credit dental financing is simple. You need only input your personal information on the CareCredit website. That information will be used to check your credit rating to determine whether you are eligible to receive a CareCredit card. If you are denied, you can try to reapply with a co-applicant who has better credit.
How is dental implant financing done?

Dental implant financing can be handled in various ways: a personal loan, via a medical credit card or with a regular credit card. Call us to discuss options further.
Can I apply to CareCredit with a co-signer?

Yes, you can apply with a co-signer. The only difference is that the co-signer will be treated as a joint applicant, and if approved, you will jointly be responsible for the single account.
Do Can I make a partial payment for a treatment and use CareCredit for the rest?

Yes, you can charge CareCredit anywhere from one dollar to your full available credit line.
Does the CareCredit card have an expiration date?

The CareCredit card has no fixed expiration date. However, it is advised to use your card at least once a year in order to keep your account active.
Can I pay for several procedures at once with CareCredit?

Yes, you can pay for multiple procedures at the same time with CareCredit.
How do I qualify for Lending Club?

Using Lending Club requires a credit score of at least 600. Lending Club also prefers that its borrowers have at least three years of credit history.
How long does it take to get approved by Lending Club?

The application, approval and funding process collectively takes about seven business days. Sometimes it can take a little longer, depending on the amount of time it takes to completely verify your information.
Can you have multiple loans at the same time through Lending Club?

You are allowed to have up to two active loans through Lending Club at the same time.
Does it hurt one's credit to pay off a loan early?

It certainly doesn't hurt your credit to pay off a loan early, but it can actually improve your credit score to leave the loan open for its full term and make all the minimum payments on time.
Does Lending Club require collateral for a loan?

Lending Club does not require any collateral for loans or lines of $100,000 or less.
Is it possible to attain a credit score of 850?

While an 850 credit score is rare (only 1.2% of scores in the US qualify), it is possible. However, scores between 800-850 are already considered exceptional, and most financial plans don't require a perfect credit score.

Economy And Accessibility

We take the complexity out of financing

Whether your credit is excellent or less than amazing, options are available out there for dental financing to assist beyond just what insurance covers. We hope that the financial plans we accept will be enough to support your needs. At Gold Coast Dental Brea, we don't see our patients as another statistic. We put people first, and we're sensitive to the challenging times that many are facing. If you have any questions about financing your visit with us, don't hesitate to call at (562) 356-0948 at your convenience.

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