Cosmetic Dentistry Financing
Cosmetic dentistry has become quite popular. However, cosmetic dental procedures can be quite expensive. Cosmetic dentistry can include crowns, dental implants, bonding and much more. When dental work is done correctly it can greatly improve a persons appearance. In addition, it can also improve a persons self-esteem and restore their self-confidence and bright smile. Many of the common dental procedures are not covered by traditional dental insurance plans. Therefore, aside from paying out-of-pocket it may be necessary to apply for financing in order to pay for the dental work.
Cosmetic dentistry financing can help a person with paying for costly cosmetic dental procedures. Cosmetic dentistry financing is available to all those who qualify. Cosmetic dentistry pricing can be done well in advance. Cosmetic dentistry pricing refers to the overall cost of a specific dental procedure or procedures. Care Credit is a common means of paying for costly dental procedures. Care Credit requires the person to complete a regular credit application. In most cases, a credit decision is made within a couple of days. Cosmetic dentistry loans enable a person to pay for their dental costs over a period of time. Care Credit is accepted at over 150,000 dental providers. In addition, this type of credit plan currently offers two kinds of financing options. First, if approved the applicant will receive a certain fixed amount that can be used toward their cosmetic dental expenses.
Once the money from Care Credit is paid to the dental provider the person will begin making monthly payments normally within 30 days. In addition, financing will allow the person to make payments over a 12, 18, or 24 month period with no finance charges. After a 24 month period finance charges will apply. Care Credit also offers a revolving line of credit to qualified customers. A revolving line of credit allows the person to access the money as needed. Therefore, if you are approved for $10,000 you can access the money over a period of time to pay for dental work. A revolving line of credit allows the person to make monthly payments however, after a 30 day period the account will be charged interest until the debt is paid in full. Finance charge rates do vary however at present the finance charge is between 14- 14.5%.
Interest rates may be lower depending upon credit rating. Naturally, people who have less than perfect credit will have a higher interest rate. Dental financing offers an alternative for those who can not afford to pay upfront for cosmetic dental procedures. Financing for dental procedures is similar to a revolving department store or Visa credit card. Cosmetic dentistry pricing can be determined prior to applying for financing. The dentist can give the person a fairly accurate assessment of how much the dental procedures will cost. Prior to dental financing the majority of cosmetic dental procedures were paid out-of-pocket by those who could afford costly dental procedures. However, cosmetic dentistry loans has helped a number of people pay for cosmetic dental procedures.