Dental Crown Financing For Good & Bad Credit

What is dental crown financing?

Dental crown financing is a way to pay for the procedure over time. Instead of covering the full cost out of pocket, you can apply for a personal loan or financing plan and repay it in monthly installments.

Common financing sources include:

• Personal loans from banks, credit unions, or online lenders.
• In-house dental office financing or payment plans.
• Medical credit cards designed for healthcare and dental expenses.
• Traditional credit cards, sometimes with promotional interest rates.

Financing can cover the crown itself, as well as associated costs like X-rays, root canals, or other preparatory treatments.

Are there dental crown financing options for bad credit?

Yes — financing is still possible even if your credit isn’t perfect. While higher credit scores typically unlock the most competitive rates, some lenders are more flexible and willing to work with borrowers who have lower scores. In fact, certain online lenders specialize in serving customers with less-than-ideal credit.

For example, Acorn Finance lending partner OneMain Financial does not set a minimum credit score requirement. Instead, they evaluate factors like income, credit history, and overall financial stability. This approach can make financing more accessible to a wider range of borrowers.

Even if the offers aren’t ideal, securing financing allows you to move forward with necessary dental care — and by making consistent, on-time payments, you can also start rebuilding your credit profile for the future.

What types of dental crown financing options are available?

You have several paths when it comes to paying for crowns:

1. Personal Loans 
   • Fixed interest rates and predictable payments.
   • Flexible use of funds (can cover multiple dental procedures).
   • Can fund quickly, often within a few business days. 
2. Dental Office Financing 
   • Some practices offer in-house payment plans.
   • Repayment periods may be shorter and limited to their services.
   • May require a credit check depending on the office. 
3. Medical Credit Cards 
   • Cards may offer 0% interest if paid off within a promotional period.
   • Helpful for short-term financing but risky if you can’t pay in full before rates apply. 
4. Traditional Credit Cards 
   • Convenient option if you already have available credit.
   • Interest rates are often higher than personal loans.

Choosing the right option depends on your budget, timeline, and long-term financial goals.

How does dental crown financing work?

In most cases dental crown financing is funded upfront and repaid in fixed installments over a predetermined period with interest. Here’s an overview of what to expect:

1. Apply for financing online or at your dentist’s office.
2. Review loan offers or payment plans available to you.
3. Select your option based on offer details.
4. Receive funds (if using a personal loan) or charge the procedure to your financing method.
5. Make monthly payments until the balance is paid off.

The key advantage is flexibility — instead of delaying treatment, you can get the care you need now and pay over time.

Can I finance multiple crowns or other procedures together?

Yes. If you need more than one crown, or if your treatment plan includes additional procedures such as implants, bridges, or root canals, you can often finance them together under one loan. Bundling allows you to manage one monthly payment instead of several. Before applying for a loan, determine how much you need to borrow for all procedures to ensure you are approved for the right amount.

What credit score do I need for dental crown financing?

Your credit score can play a big role in determining your financing options. Most lenders on the Acorn Finance platform have a credit score cutoff of 600 or above. 

Pro tip: Before applying, review your credit report for errors, pay down existing debts if possible, and consider applying with a co-signer to strengthen your application.

How much can I borrow for dental crown procedures?

Loan amounts vary depending on your lender and financial profile with personal loan amounts ranging from $1,000 up to $100,000. Requesting the right amount—enough to cover procedures and related expenses, but not more than you need—can help keep your monthly payments affordable.