Can I get financing for veneers?

Yes, absolutely. Financing veneers is one of the most common uses for a cosmetic dentistry loan. Since a full set of porcelain veneers can cost between $10,000 and $20,000 or more, a personal loan is an excellent way to make this transformative procedure affordable. The loan allows you to pay for the entire treatment upfront and then repay the cost in manageable monthly installments over several years.

How much can I borrow for a smile makeover?

Loan amounts typically range from $1,000 to $20,000 for cosmetic dental procedures. The exact amount you can borrow depends on several factors, including your credit score, income, and overall creditworthiness. It's best to get a detailed quote from your dentist first, so you know precisely how much you need to apply for to cover your entire smile makeover plan.

Is it possible to get cosmetic dental financing with bad credit?

While having a good credit score (typically 670 or above) will help you qualify for the best rates, options are available for those with fair or poor credit. Some lenders specialize in loans for individuals with less-than-perfect credit. Be aware that if you are approved, the interest rates will be higher to offset the lender's risk. Applying with a creditworthy co-signer can significantly improve your chances and terms.

Can a loan cover smaller procedures like teeth whitening and bonding?

Yes. While often used for large procedures like veneers, a personal loan can be used for any cosmetic dental work. You can finance professional teeth whitening, dental bonding, gum contouring, or a combination of smaller treatments. This is especially useful if you're bundling several procedures together to achieve your desired result, as the loan can cover the total cost in one simple financing package.

What's the difference between my dentist's financing and a personal loan?

A dentist's in-house financing or a partner medical credit card is tied specifically to that practice. A personal loan is more flexible; you receive cash that you can use at any cosmetic dentist you choose. Personal loans often have fixed interest rates, making your payments predictable, whereas some medical credit cards may have deferred interest promotions that can become very expensive if not paid off in time. It's always best to compare the APR and total cost of all options.

How quickly can I get the funds for my dental procedure?

The funding process for personal loans is typically very fast. After you select a loan offer and complete the final application with the lender, approval can happen within hours. Once approved, the funds are usually deposited directly into your bank account in as little as one to two business days. This speed allows you to schedule your dental procedure without a long waiting period.

Financing for Veneers and Cosmetic Dentistry

A personal loan can help you cover the cost of the smile you've always wanted, from teeth whitening to a full smile makeover.

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A perfect smile shouldn't be out of reach.

My dental insurance calls my procedure 'elective' and won't cover the cost.
We connect you with lenders who provide funds for any purpose, including cosmetic procedures that insurance plans often reject.
The in-house financing at my cosmetic dentist's office has a very high interest rate.
Comparing personal loan offers lets you shop for a competitive rate and term that fits your budget, potentially saving you thousands.
I want to get veneers now, but saving up the full amount could take years.
Financing allows you to move forward with your procedure now and pay for it over time with predictable monthly payments.
I'm not sure what the final cost of my 'smile makeover' will be, including follow-ups.
A personal loan provides a lump sum of cash, giving you the flexibility to cover the entire treatment plan, even if costs shift slightly.

Get the Smile You Deserve with a Cosmetic Dental Loan

Investing in your confidence through cosmetic dentistry is a major decision. Whether you're considering porcelain veneers, professional teeth whitening, dental bonding, or a complete smile makeover, the cost can be a significant barrier. While dental insurance rarely covers these elective procedures, a personal loan for cosmetic dentistry offers a straightforward way to finance your new smile. Unlike financing options tied to a specific dental office, a personal loan gives you the freedom to choose any cosmetic dentist you trust.

This type of financing provides you with a one-time, lump-sum payment that you can use to cover all associated costs—from the initial consultation to the final procedure and any follow-up appointments. You then repay the loan in fixed monthly installments over a set period, typically two to seven years. With clear terms and a predictable payment schedule, you can budget effectively while enjoying the immediate benefits of your enhanced smile.

A Simple Path to Financing Your Procedure

1
Fill Out One Simple Form
Our online form takes just a few minutes to complete. There's no impact on your credit score to see your options.
2
Compare Your Loan Offers
If you qualify, you'll see offers from our network of lending partners. Compare APRs, terms, and monthly payments.
3
Receive Your Funds
Once you select an offer and are approved, funds are typically deposited directly into your bank account, sometimes as soon as the next business day.
4
Schedule Your Procedure
With your financing secured, you can confidently book your appointment with the cosmetic dentist of your choice.

Understanding the Costs of a Smile Makeover

The price of cosmetic dental work varies widely based on the procedure, your location, and the dentist's experience. A "smile makeover" is not a single procedure but a combination of treatments tailored to your goals. It's crucial to get a detailed estimate from your dentist before seeking financing. Below are some common price ranges to help you estimate your needs.

Estimated Costs for Common Procedures

Porcelain Veneers (8 teeth) 8 × $1,500	$12,000
Professional In-Office Teeth Whitening One Session	$650
Dental Bonding (4 teeth) 4 x $450	$1,800
Full Smile Makeover (Veneers, Whitening, Contouring) Combined Procedures	$8,000 - $20,000+

Estimated monthly

$217/mo

Based on a $10,000 loan with a 5-year term at 11% APR.

See What Your Monthly Payment Could Be

Get a personalized rate estimate for your smile makeover cost in minutes.

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Loan amount: $1,000 – $20,000
APR: 7.99% – 35.99%
Term: 24 mo – 84 mo

Loan amounts, terms, and APRs can vary significantly based on your credit profile, income, and the lender. The rates displayed are representative and not a guarantee of approval. Always review your final loan agreement carefully.

Personal Loans vs. Other Cosmetic Dentistry Payment Plans

When deciding how to finance veneers or other cosmetic procedures, you have several options. While in-house dental financing or medical credit cards might seem convenient, a personal loan often provides greater flexibility and potentially better terms. Understanding the differences is key to making a financially sound decision for your long-term budget.

Comparing Your Financing Options

	Personal Loan	In-House Dental Financing	Medical Credit Card
Typical APR	Fixed rates, 8-35.99%	Can be 0% intro, then high	Often high variable rates
Flexibility	Use with any dentist	Tied to one specific office	Limited to participating providers
Funding	Lump sum to your account	Direct payment to dentist	Credit line for charges
Best For	Comparing rates, flexibility	Convenience, special promotions	Covering multiple medical costs

What Lenders Look For

Credit Score: Most lenders prefer scores of 600 or higher. A better score generally leads to a lower APR.
Stable, Verifiable Income: You'll need to show you have a steady source of income to comfortably make monthly payments.
Debt-to-Income (DTI) Ratio: Lenders assess your existing debt payments relative to your income. A lower DTI is favorable.
Credit History: A history of on-time payments and responsible credit management strengthens your application.

If you have a lower credit score, some lenders specialize in cosmetic dental financing for bad credit, though rates will be higher. Applying with a co-signer who has a strong credit profile can also improve your chances of approval and help you secure a better rate.

Find Out if You Qualify in Minutes

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Tips for a Smart Cosmetic Dentistry Financing Application

Securing financing is just one step. Approaching it thoughtfully can save you money and stress. Here's how to ensure a smooth process:

Get a Detailed Treatment Plan: Before applying for a loan, get a comprehensive quote from your cosmetic dentist. This should itemize all costs, including consultations, the procedure itself, anesthesia, and any necessary follow-up care. This ensures you borrow the right amount.
Borrow Only What You Need: While it can be tempting to borrow extra, sticking to the estimated cost of your dental work will keep your monthly payments and total interest paid as low as possible.
Check for Prepayment Penalties: Most personal loans from reputable lenders do not have prepayment penalties, but it's always wise to confirm. This gives you the flexibility to pay off your loan early if you're able to.
Read the Fine Print: Understand all the terms of your loan offer, including the APR, the total cost of borrowing, and the monthly payment amount before you sign the agreement.

Have a Plan? Let's Get it Funded.

Our simple process makes cosmetic dentistry financing straightforward.

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Frequently Asked Questions

Can I get financing for veneers?
Yes, absolutely. Financing veneers is one of the most common uses for a cosmetic dentistry loan. Since a full set of porcelain veneers can cost between $10,000 and $20,000 or more, a personal loan is an excellent way to make this transformative procedure affordable. The loan allows you to pay for the entire treatment upfront and then repay the cost in manageable monthly installments over several years.
How much can I borrow for a smile makeover?
Loan amounts typically range from $1,000 to $20,000 for cosmetic dental procedures. The exact amount you can borrow depends on several factors, including your credit score, income, and overall creditworthiness. It's best to get a detailed quote from your dentist first, so you know precisely how much you need to apply for to cover your entire smile makeover plan.
Is it possible to get cosmetic dental financing with bad credit?
While having a good credit score (typically 670 or above) will help you qualify for the best rates, options are available for those with fair or poor credit. Some lenders specialize in loans for individuals with less-than-perfect credit. Be aware that if you are approved, the interest rates will be higher to offset the lender's risk. Applying with a creditworthy co-signer can significantly improve your chances and terms.
Can a loan cover smaller procedures like teeth whitening and bonding?
Yes. While often used for large procedures like veneers, a personal loan can be used for any cosmetic dental work. You can finance professional teeth whitening, dental bonding, gum contouring, or a combination of smaller treatments. This is especially useful if you're bundling several procedures together to achieve your desired result, as the loan can cover the total cost in one simple financing package.
What's the difference between my dentist's financing and a personal loan?
A dentist's in-house financing or a partner medical credit card is tied specifically to that practice. A personal loan is more flexible; you receive cash that you can use at any cosmetic dentist you choose. Personal loans often have fixed interest rates, making your payments predictable, whereas some medical credit cards may have deferred interest promotions that can become very expensive if not paid off in time. It's always best to compare the APR and total cost of all options.
How quickly can I get the funds for my dental procedure?
The funding process for personal loans is typically very fast. After you select a loan offer and complete the final application with the lender, approval can happen within hours. Once approved, the funds are usually deposited directly into your bank account in as little as one to two business days. This speed allows you to schedule your dental procedure without a long waiting period.

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Personal loan disclosure

Money Savvy is not a lender. We are a marketing service that connects consumers with participating lenders. Rates, amounts, and terms vary by lender, your credit history, and other factors.

Loan amounts: $1,000 – $100,000
Repayment terms: 3 – 84 months
Min APR: 5.99%
Max APR: 35.99%
Origination fees: 0% – 10% of the loan amount
Late fees: May apply; vary by lender

Representative example: A $10,000 loan with a 36-month term at an 18.99% APR would have an approximate monthly payment of $366.39 and a total cost of $13,190.04, including interest and a $500 origination fee.

Your actual APR depends on your credit score, income, and other factors. Only borrow what you can afford to repay.

California residents: California Financing Law disclosures available upon request.