Best Dental Loans in 2024

Best Egg

• Loan amounts: $2,000 to $50,000
• APR: 8.99% to 35.99%
• Terms: 36 to 60 months
• Origination fee: 0.99% - 8.99%
• Minimum credit requirement: 600

  Why we like it: Best Egg offers flexible loan amounts as well as secured loans for those who may not meet this lender’s credit requirements.

Overview: Consumers with good credit scores and high incomes may be the best fit for a Best Egg dental loan. This is because Best Egg reserves its lowest annual percentage rates (APR) for those with an income of at least $100,000 and credit score above 700.

However, if you don’t have a strong credit score, you may still be able to get a dental loan if you apply for a Best Egg secured loan. Dental loans from this lender can take anywhere from one to three business days to show up in your bank account.

Eligibility requirements: To receive a Best Egg dental loan, you’ll need a credit score of at least 600. You’ll also need to meet the following criteria:

• Be a U.S. citizen or permanent resident
• Not live in the following areas: Iowa, Vermont, West Virginia, District of Columbia, U.S. territories

LendingClub

• Loan amounts: $1,000 to $40,000
• APR: 9.57% to 35.99%
• Terms: 24 to 60 months
• Origination fee: 3.00% - 8.00%
• Minimum credit requirement: 600

  Why we like it: While some lenders don’t offer the option to apply with a co-borrower, LendingClub allows consumers to submit joint applications for dental loans.

Overview: If you have a low credit score but need a dental loan, you may consider filling out a joint application with LendingClub. Be sure that your co-applicant understands the shared financial and legal responsibility of taking out a joint loan.

Unfortunately, you will have to pay an origination fee (3.00% - 8.00%) when taking out a LendingClub dental loan, which will be subtracted from your loan balance.

Eligibility requirements: LendingClub doesn’t provide much insight into the criteria they’re looking for in potential borrowers, but they do list several preferred criteria:

• 600 minimum credit score
• Be a U.S. citizen or permanent resident
• Be at least 18 years old
• Have a verifiable bank account

LendingPoint

• Loan amounts: $2,000 to $36,500
• APR: 7.99% to 35.99%
• Terms: 24 to 72 months
• Origination fee: 0.00% - 10.00%
• Minimum credit requirement: 660

  Why we like it: LendingPoint’s fair credit score requirement (660) helps eliminate some obstacles for borrowers who need a dental loan but don’t have especially strong credit.

Overview: If you have a fair credit score and need a dental loan right away, LendingPoint’s credit requirements and quick funding may make it possible for you to get a loan.

LendingPoint does, however, charge borrowers an origination fee that can get as high as 10.00%. This lender also does not give consumers the option to apply with a cosigner or co-borrower.

Eligibility requirements: To get a dental loan through LendingPoint, you’ll need to meet the following requirements:

• 660 minimum credit score
• Be at least 18 years old
• Provide a government-issued photo ID
• Have a Social Security number
• Have a minimum income of $35,000
• Have a verifiable bank account
• Must not live in Nevada or West Virginia

LightStream

• Loan amounts: $5,000 to $100,000
• APR: 7.99% to 25.49% (with autopay)
• Terms: 24 to 144 months
• Origination fee: No origination fee
• Minimum credit requirement: Not specified

  Why we like it: With LightStream, borrowers have up to 144 months (longer than what many lenders offer) to repay dental loans without paying any fees.

Overview: With loan amounts as high as $100,000, zero fees and repayment terms as long as 144 months, LightStream may be an attractive option for those with good credit scores.

However, if you don’t have a good credit score, it may be difficult for you to get approved. LightStream also doesn’t offer prequalification services, so if you want to see if you’re qualified for a LightStream dental loan, you’ll have to submit to a hard credit pull.

Eligibility requirements: Lightstream requires that borrowers have good or excellent credit to qualify for a dental loan. You’ll also need to have the following:

• At least five years of credit history
• Proof of assets
• A good debt-to-income ratio
• A solid payment history

SoFi

• Loan amounts: $5,000 to $100,000
• APR: 8.99% to 25.81% (with discounts)
• Terms: 24 to 84 months
• Origination fee: 0.00% - 6.00%
• Minimum credit requirement: 680

  Why we like it: If you have excellent credit, you may be eligible for a SoFi dental loan. With SoFi, you may have access to competitive interest rates and won’t have to pay any required fees.

Overview: SoFi dental loan customers can potentially skip paying origination fees and only have to pay interest rates up to 25.81%. This lender also offers unemployment support to borrowers who run into challenges after they’ve taken out a loan.

Those with low credit scores may not qualify for a personal loan through SoFi. With a high minimum loan amount of 8.99%, SoFi may not be the right fit for borrowers looking to borrow a small personal loan.

Eligibility requirements: SoFi has a minimum credit score of 680, but it also has other criteria consumers will have to meet:

• Must have employment or have an employment offer starting in 90 days
• Must have steady income source if not employed
• Must be a U.S. citizen, permanent resident or non-permanent resident (including Deferred Action for Childhood Arrivals (DACA) program recipients and asylum-seekers) with documentation verifying your immigration status is current

Upgrade

• Loan amounts: $1,000 to $50,000
• APR: 8.49% to 35.99%
• Terms: 24 to 84 months
• Origination fee: 1.85% - 9.99%
• Minimum credit requirement: 580

  Why we like it: If you choose to get a dental loan through Upgrade, you may have access to funds as quickly as one business day after accepting your loan offer.

Overview: With terms up to 84 months, Upgrade dental loan customers have access to longer repayment periods than with some other lenders. Upgrade’s one-day funding timeline and autopay discount also make this lender a worthy contender for those seeking dental loans.

On the other hand, Upgrade charges an origination fee that ranges between 1.85% - 9.99% and is subtracted from the balance of your loan. Upgrade’s APR can also get as high as 35.99%.

Eligibility requirements: Other than being 18 years old and meeting its credit qualifications, Upgrade is also looking for applicants who meet these requirements:

• Be a U.S. citizen, permanent resident or immigrant living in the U.S. with valid visa
• Have a verifiable bank account
• Have a valid email address

Upstart

• Loan amounts: $1,000 to $50,000
• APR: 6.40% to 35.99%
• Terms: 36 and 60 months
• Origination fee: 0.00% - 12.00%
• Minimum credit requirement: 300

  Why we like it: Upstart’s low minimum credit score requirement (300) may make it easier for bad-credit borrowers to access dental loans.

Overview: Upstart offers personal loans online ranging from $1,000 to $50,000 that can be used to finance dental procedures, particularly for bad-credit borrowers. This lender offers fast funding and you may receive your loan funds within one business day after you’ve signed your agreement.

Keep in mind that Upstart has limited repayment terms — you’ll have to choose between 36 and 60 months — and you may have to pay an origination fee.

Eligibility requirements: Upstart requires that applicants have a minimum credit score of 300, but if they don’t, they must be enrolled in or graduated from an eligible post-secondary education program. Applicants must also meet the following requirements:

• Be a U.S. citizen or permanent resident living in the U.S.
• Have a verifiable identity, including a Social Security number
• Have a job, an offer to start a job in six months or have a different source of regular income
• Have a valid email
• Have a U.S. address
• Have a personal banking account

Dental work can be expensive. As a result, many personal loan lenders offer financing options to cover these costs. Dental loans can range anywhere from $1,000 to $100,000, depending on the lender.

Many lenders offer the opportunity to prequalify for a loan so you won’t have to worry about an impact to your credit score before officially applying.

You may qualify for a personal loan if your credit score is at least 600. However, you may be entitled to better interest rates and terms if you have a credit score that is 670 or higher. The higher your credit score, the better your chances of qualifying for favorable rates.

Interest rates on dental loans are typically determined by factors such as your credit score, history and income. If you want to get a low interest rate on a dental loan, you can improve your odds of getting approved by working to improve your credit score and practicing healthy financial habits.

Yes — even if you have a low credit score, you may still be able to find personal loan lenders that are willing to work with you. You will likely have to pay higher interest rates than applicants with good credit, which can cost you more over the life of the loan.

Down the road, if your credit improves, you could refinance your personal loan and, ideally, receive a lower interest rate.

When applying for a personal loan, lenders will want to verify your contact information, residency, identity and income. You may need to provide pay stubs, W-2s, a government-issued form of identification and a mortgage or rental agreement.