Can I get a loan to cover a crown and a root canal together?

Absolutely. This is one of the main advantages of a personal loan. You can request a loan amount that covers the total estimated cost of all your required procedures, including the initial consultation, X-rays, the root canal, and the final crown placement. This consolidates all your dental expenses into a single loan with one monthly payment.

Are there special loans for specific types of crowns, like zirconia or porcelain?

The loan itself is not tied to the type of crown material. A personal loan for dental work is an unsecured loan, meaning the funds can be used for any dental expense. Whether you and your dentist choose a porcelain, ceramic, zirconia, or metal crown, you can use the loan funds to pay for it. The loan amount you request should simply reflect the cost of the option you select.

How quickly can I get money for an emergency crown replacement?

The funding speed is a key benefit. After you submit your application and choose a loan offer, the final approval and funding process is very fast. Many borrowers receive their funds directly in their bank account as soon as the next business day, allowing you to address an emergency like a broken or lost crown without delay.

Is it possible to get a dental crown loan with bad credit?

Yes, it is possible. While a higher credit score will typically help you qualify for lower interest rates, we work with a network of lenders that includes some who specialize in lending to individuals with fair or bad credit. They may look at other factors like your income and employment stability. It is always worth checking your options, as our initial inquiry does not affect your credit score.

Does the loan pay me or my dentist directly?

In almost all cases, the funds from a personal loan are deposited directly into your personal bank account. This gives you the flexibility to pay the dentist yourself via debit card, check, or cash. It keeps the financial transaction simple and private between you and the dental office.

What happens if my final dental bill is less than my loan amount?

If you have money left over after paying your dentist, the funds are yours to use as you wish. You could use them for another expense or, a financially savvy option would be to make an immediate extra payment back on the loan principal. This will reduce the total interest you pay over the life of the loan. Be sure to check that your loan does not have any prepayment penalties.

Loans for Dental Crowns

Finance the cost of a new or replacement dental crown so you can restore your smile without waiting.

Check your rate

A cracked, decayed, or damaged tooth doesn't just affect your smile—it can cause pain and lead to more significant dental problems if left untreated. While a dental crown is the standard solution, the price can be a shock, especially when insurance doesn't cover the full amount. A personal loan for a dental crown can provide the immediate funds you need to pay your dentist and restore your tooth without draining your savings.

Why Paying for a Dental Crown Can Be Stressful

My insurance only covers a small fraction of the dental crown cost.
A loan provides a lump sum to bridge the gap between your insurance coverage and the dentist's total bill.
The dentist wants the full payment upfront, but I don't have that much cash on hand.
Financing allows you to get the procedure now and pay for it over time with predictable monthly payments.
I need a crown, but also a root canal, and the combined cost is overwhelming.
A personal loan is flexible; you can borrow enough to cover the crown, the root canal, and any related appointments.
Delaying this will only make it worse, but I don't know how to pay for it.
Our simple process helps you see your loan options in minutes, so you can make a quick, informed decision about your dental health.

Using a Personal Loan for Your Dental Crown

Unlike a credit card specifically for medical procedures or an in-house payment plan from your dentist, a personal loan for dental work is a straightforward financing tool. When you're approved, a lender deposits a fixed amount of cash directly into your bank account. You can then use these funds to pay your dentist in full, just as if you were paying with cash. This simplifies the process, as the financial arrangement is between you and the lender, not you and the dental office.

After you've paid for your crown, you'll repay the loan over a set period (the term) in equal monthly installments. These payments include both the principal amount you borrowed and the interest (APR). Because the interest rate and monthly payment are fixed, it's easy to budget for, providing a predictable path to paying off your dental work without the risk of fluctuating interest rates common with credit cards.

Estimating Your Dental Crown Cost

Porcelain-Fused-to-Metal (PFM) Crown Durable core with a natural-looking exterior	$800 - $1,700
All-Ceramic or All-Porcelain Crown Best aesthetic match for front teeth	$900 - $2,500
Zirconia Crown Extremely strong and biocompatible	$1,000 - $3,000
Associated Procedures (e.g., Root Canal) Often necessary before a crown is placed	$700 - $2,000+

Estimated monthly

~$52/mo

Based on a $1,500 loan with a 36-month term at 15% APR.

See What Your Monthly Payment Could Be

Get a personalized rate estimate based on your needed loan amount without any impact on your credit score.

Check My Rate

How to Get Your Dental Crown Loan in 3 Steps

Our Simple Application Process

1
Fill Out One Simple Form
Tell us how much you need to borrow and a bit about yourself. The form takes just a few minutes to complete online.
2
Compare Your Loan Offers
If you pre-qualify, you'll see offers from our network of lenders. Compare APRs, terms, and monthly payments side-by-side.
3
Receive Your Funds
Once you select an offer and are fully approved, funds can be deposited into your bank account, often as soon as the next business day.

This streamlined process is designed to get you the financing you need quickly, so you can schedule your dental appointment without delay. The entire process, from application to funding, can often be completed in just 1-2 business days.

Loan amount: $800 – $3,000
APR: 7.99% – 35.99%
Term: 12 mo – 60 mo

Your actual APR depends on factors like credit score, requested loan amount, loan term, and credit history. Not all borrowers will qualify for the lowest rate.

Financing Options for a Tooth Crown

Personal Loan vs. Other Payment Methods

	Personal Loan	Medical Credit Card	Dentist Payment Plan
Interest Rate	Fixed APR (e.g., 8-35.99%)	Often 0% intro, then high (25%+) deferred interest	Varies, can be low or no interest
Flexibility	Funds can cover any related cost (root canal, etc.)	Only for qualifying medical expenses at participating providers	Only covers the specific procedure at that office
Payment Structure	Fixed monthly payments	Minimum payments, balance can grow	Fixed payments, but may require a large down payment
Best For	Predictable budgeting and covering multiple costs	Paying off the full balance during the 0% intro period	Smaller balances when offered with 0% interest

Choosing the right financing depends on your financial situation and the total cost of your procedure. A personal loan offers the most predictability and flexibility, making it an excellent choice for managing the full, out-of-pocket cost of a dental crown and any related treatments.

What Do Lenders Look For?

Common Qualification Criteria

Credit Score: Most lenders prefer a score of 600 or higher, but some partners work with borrowers with fair or poor credit.
Steady Income: You'll need to show a consistent source of income to prove you can handle the monthly loan payments.
Debt-to-Income Ratio (DTI): Lenders check that your existing debt payments aren't too high relative to your income. A DTI below 40% is generally preferred.
Credit History: A history of on-time payments and responsible credit use can help you secure a lower interest rate.

Find Out if You Qualify in Minutes

Our pre-qualification process is fast, free, and won't hurt your credit score.

See My Options

Example scenario

My front tooth cracked unexpectedly and my dentist quoted me almost $2,000 for a crown. I found an affordable loan option the same day and got the whole thing fixed by the end of the week. It was such a relief.

Jessica M.·Patient, Austin, TX

Frequently Asked Questions

Dental Crown Loan FAQs

Can I get a loan to cover a crown and a root canal together?
Absolutely. This is one of the main advantages of a personal loan. You can request a loan amount that covers the total estimated cost of all your required procedures, including the initial consultation, X-rays, the root canal, and the final crown placement. This consolidates all your dental expenses into a single loan with one monthly payment.
Are there special loans for specific types of crowns, like zirconia or porcelain?
The loan itself is not tied to the type of crown material. A personal loan for dental work is an unsecured loan, meaning the funds can be used for any dental expense. Whether you and your dentist choose a porcelain, ceramic, zirconia, or metal crown, you can use the loan funds to pay for it. The loan amount you request should simply reflect the cost of the option you select.
How quickly can I get money for an emergency crown replacement?
The funding speed is a key benefit. After you submit your application and choose a loan offer, the final approval and funding process is very fast. Many borrowers receive their funds directly in their bank account as soon as the next business day, allowing you to address an emergency like a broken or lost crown without delay.
Is it possible to get a dental crown loan with bad credit?
Yes, it is possible. While a higher credit score will typically help you qualify for lower interest rates, we work with a network of lenders that includes some who specialize in lending to individuals with fair or bad credit. They may look at other factors like your income and employment stability. It is always worth checking your options, as our initial inquiry does not affect your credit score.
Does the loan pay me or my dentist directly?
In almost all cases, the funds from a personal loan are deposited directly into your personal bank account. This gives you the flexibility to pay the dentist yourself via debit card, check, or cash. It keeps the financial transaction simple and private between you and the dental office.
What happens if my final dental bill is less than my loan amount?
If you have money left over after paying your dentist, the funds are yours to use as you wish. You could use them for another expense or, a financially savvy option would be to make an immediate extra payment back on the loan principal. This will reduce the total interest you pay over the life of the loan. Be sure to check that your loan does not have any prepayment penalties.

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.