Can I get a loan for partial dentures or just full sets?

Absolutely. A personal loan for dental work is flexible. You can use the funds to finance any type of denture, including full conventional dentures, immediate dentures, partial dentures, or even the more expensive implant-supported or implant-retained dentures. The loan is not tied to a specific procedure, so you can use it for whatever treatment your dentist recommends.

Is it possible to get denture financing with bad credit?

Yes, it may be possible. While a higher credit score will secure better interest rates, some lenders in our network specialize in working with individuals who have less-than-perfect credit. They may place more weight on other factors like your income and employment stability. It is always worth checking your rate, as it's a soft inquiry and won't harm your score. However, be prepared for potentially higher interest rates if your credit score is low.

How much can I borrow for implant-supported dentures?

Loan amounts are based on your credit profile and ability to repay, not just the cost of the procedure. For a significant expense like implant-supported dentures, which can cost $15,000 or more, you can request the full amount. Our lender partners offer loans up to $15,000 for this purpose. Your approved loan amount will depend on factors like your income, existing debt, and credit history.

Do I pay the dentist directly with a denture loan?

Typically, the funds from a personal loan are deposited directly into your personal bank account. You then have the freedom to pay your dentist in the manner they require—whether that's by check, debit card, or bank transfer. This gives you control over the payment process and separates the financing relationship from your dental treatment relationship.

Are there special denture financing options for seniors?

While there aren't loan products exclusively for seniors, personal loans are a very popular financing solution for them. Lenders consider all forms of stable income, including Social Security, pensions, and retirement distributions, when evaluating an application. The fixed monthly payments of a personal loan are often ideal for those on a fixed income. There are no age restrictions for applying for a personal loan.

Can I finance additional dental work along with my dentures?

Yes. One of the main benefits of using a personal loan is its flexibility. If your treatment plan includes necessary procedures before getting dentures, such as tooth extractions or gum disease treatment, you can request a loan amount that covers the entire scope of work. Just be sure to get a comprehensive cost estimate from your dentist first.

Denture Financing & Loans

Affordable denture payment plans and personal loans designed to help you cover the cost of full, partial, or implant-supported dentures.

Check your rate

The cost of new dentures can be a significant, often unexpected, expense. Whether you need full, partial, or implant-supported dentures, the price tag can range from a couple thousand to tens of thousands of dollars. For many, especially seniors on a fixed income, paying this amount upfront isn't feasible. This is where denture financing comes in, offering a practical way to restore your smile and chewing function without draining your savings.

Understanding Your Denture Financing Options

When you hear "denture financing," it typically refers to using a personal loan to cover the cost of your dental procedure. Unlike a credit card or a line of credit, a personal loan provides you with a single, lump-sum payment. You can use this money to pay your dentist directly for the full cost of the dentures and any associated procedures. You then repay the loan over a set period—typically 2 to 5 years—in fixed monthly installments. This makes budgeting simple and predictable.

This approach offers significant flexibility. The funds are not tied to a specific dental provider, so you can choose the dentist or prosthodontist that's right for you. Furthermore, the loan amount can cover not just the dentures themselves, but also related costs like tooth extractions, consultations, and follow-up adjustments. With a fixed interest rate, you'll know the total cost of financing from the start, avoiding the surprise of fluctuating payments that can come with variable-rate credit options.

Get Your Denture Financing in 3 Simple Steps

1
Check Your Rate Online
Fill out a short form with some basic information. This takes about two minutes and results in a soft credit pull, which does not affect your credit score.
2
Review Your Loan Offers
If you pre-qualify, you'll see a range of loan options from our network of lenders. Compare APRs, monthly payments, and loan terms to find the best fit for your budget.
3
Receive Your Funds
Once you select an offer and complete the final verification, funds are typically deposited directly into your bank account within 1-2 business days. You can then pay your dentist and begin your treatment.

See Your Personalized Denture Loan Rates

It takes just a few minutes and won't affect your credit score.

Check your rate

What is the Average Cost of New Dentures?

The price of dentures varies widely based on the type, materials used, and your geographic location. Understanding these potential costs is the first step in determining how much financing you might need. Below are some typical ranges, but it's essential to get a detailed quote from your dentist.

Estimating Your Denture Costs

Conventional Full Dentures (Upper & Lower)

Economy to Premium Materials

$1,500 - $8,000

Partial Dentures (per arch)

Acrylic to Flexible Base

$800 - $4,500

Implant-Supported Dentures (per arch)

Includes implants and prosthesis

$7,000 - $25,000+

Estimated monthly

$171/mo

Based on a 3-year, $5,000 loan at 14% APR

A personal loan can cover these amounts, transforming a large, one-time bill into a series of manageable monthly payments. For example, a $5,000 procedure could be broken down into payments of less than $200 per month, making even premium dentures much more accessible.

Loan amount: $1,500 – $15,000
APR: 7.99% – 35.99%
Term: 24 mo – 60 mo

Your actual APR depends on credit score, loan amount, loan term, and credit usage & history. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%-8.99% of your loan amount, which will be deducted from any loan proceeds you receive.

Comparing Denture Payment Plans

While a personal loan is a powerful tool for financing dentures, it's not your only option. Many dental offices offer in-house payment plans or partner with medical credit card companies. Understanding the differences is key to making the right choice for your financial health.

Denture Financing Options Compared

	Personal Loan	Dental Office Plan	Medical Credit Card
Interest Rate	Fixed Rate (e.g., 8-35.99%)	Often 0% for a short term	Often has a 0% intro period
Repayment Term	Fixed (2-5 years)	Short (6-24 months)	Variable, minimum payments
Key Feature	Predictable monthly payments	Convenient at point of service	Can be used for other medical costs
Main Drawback	Requires a credit check	High payments due to short term	High deferred interest if not paid off

Find Out What You Qualify For

No obligation, no hidden fees. Just clear, simple loan options for your dental needs.

See my options

Who is Eligible for a Denture Loan?

Lenders look at several factors to determine your eligibility for a personal loan. While requirements vary by lender, they generally focus on your ability to repay the loan. Having a clear picture of what they look for can help you prepare a stronger application.

Common Eligibility Criteria for Denture Loans

Credit Score: Most lenders look for a score of 600 or higher, but some partners work with applicants with lower scores. A higher score generally leads to better rates.
Verifiable Income: You'll need to show a steady source of income from employment, retirement, or other sources to prove you can handle the monthly payments.
Debt-to-Income (DTI) Ratio: Lenders check how much of your monthly income goes toward existing debt. A lower DTI ratio (typically under 40%) is preferred.
Credit History: A history of on-time payments and responsible credit use will strengthen your application. Recent bankruptcies or defaults can be a major obstacle.

Tips for a Smart Denture Financing Decision

Get a Detailed Quote First: Before applying for a loan, get a comprehensive treatment plan from your dentist that itemizes all costs. This ensures you borrow the right amount.
Understand All Fees: Look beyond the interest rate. Ask about origination fees, which are deducted from the loan proceeds, and any potential late payment fees.
Choose the Right Loan Term: A longer term means lower monthly payments, but you'll pay more in interest over the life of the loan. A shorter term saves on interest but has higher payments. Choose what best fits your monthly budget.
Avoid 'Guaranteed' Offers: Be wary of lenders promising 'guaranteed approval' or 'no credit check' denture financing. These often come with extremely high interest rates and unfavorable terms. Legitimate lenders will always assess your creditworthiness.

Ready to restore your smile?

Start the application to see your options.

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Frequently Asked Questions About Denture Loans

Can I get a loan for partial dentures or just full sets?
Absolutely. A personal loan for dental work is flexible. You can use the funds to finance any type of denture, including full conventional dentures, immediate dentures, partial dentures, or even the more expensive implant-supported or implant-retained dentures. The loan is not tied to a specific procedure, so you can use it for whatever treatment your dentist recommends.
Is it possible to get denture financing with bad credit?
Yes, it may be possible. While a higher credit score will secure better interest rates, some lenders in our network specialize in working with individuals who have less-than-perfect credit. They may place more weight on other factors like your income and employment stability. It is always worth checking your rate, as it's a soft inquiry and won't harm your score. However, be prepared for potentially higher interest rates if your credit score is low.
How much can I borrow for implant-supported dentures?
Loan amounts are based on your credit profile and ability to repay, not just the cost of the procedure. For a significant expense like implant-supported dentures, which can cost $15,000 or more, you can request the full amount. Our lender partners offer loans up to $15,000 for this purpose. Your approved loan amount will depend on factors like your income, existing debt, and credit history.
Do I pay the dentist directly with a denture loan?
Typically, the funds from a personal loan are deposited directly into your personal bank account. You then have the freedom to pay your dentist in the manner they require—whether that's by check, debit card, or bank transfer. This gives you control over the payment process and separates the financing relationship from your dental treatment relationship.
Are there special denture financing options for seniors?
While there aren't loan products exclusively for seniors, personal loans are a very popular financing solution for them. Lenders consider all forms of stable income, including Social Security, pensions, and retirement distributions, when evaluating an application. The fixed monthly payments of a personal loan are often ideal for those on a fixed income. There are no age restrictions for applying for a personal loan.
Can I finance additional dental work along with my dentures?
Yes. One of the main benefits of using a personal loan is its flexibility. If your treatment plan includes necessary procedures before getting dentures, such as tooth extractions or gum disease treatment, you can request a loan amount that covers the entire scope of work. Just be sure to get a comprehensive cost estimate from your dentist first.

Take the next step towards a confident smile

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.