Ways To Finance Oral Surgery Loans - TLC

2. Payment plans, special credit cards, and bad credit oral surgery loans can all help you afford the oral care you need. It’s easy to avoid going to the dentist, especially if you don’t have a ton of extra cash to shell out for a cleaning. But avoiding the dentist can lead to a much larger bill down the line when you end up needing a filling or, worse, a full root canal. Even with dental insurance, you’re going to end up with a very sizeable bill after a major dental procedure. At that point, the question becomes: How are you going to pay for it? If you don’t have a lot of extra money, or if you have bad credit, you probably can’t pay for the whole thing out of pocket. Instead, you’ll have to find another way to finance your oral surgery loans. Here are your options. 1. Payment plans 1. 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

3. cannot pay the full amount up-front, payment plans are hands down your best option for financing oral surgery loans. These payment plans have something you won’t find with any other form of dental financing: zero percent interest. Since this isn’t a loan or a credit card, you won’t end up paying more in the long run than you would have paid up front. Unlike a loan or a credit card, payment plans won’t be reported to the credit bureaus—unless you default on your payments and it gets sent to a collections agency. But while not having your payments count towards your credit score isn’t ideal, the zero interest is worth the trade-off.

4. 2. Dental credit cards 2. Dental credit cards This is another payment option offered by many dentist offices. It’s not as good an option as a straightforward payment plan, but it has its benefits. Instead of letting you pay off your dental procedure a little bit at a time, the office will help you submit an application to a financing company. If you are approved, you receive a credit card that you can use to pay your bill. You then pay off the credit card through monthly payments. With a dental credit card, your monthly payment should be pretty small, usually something like two to three percent of your total bonus plus a $10-$15 monthly minimum. If you are on an incredibly tight budget, this can give you a lot of breathing room.