Root Canal Financing For Good & Bad Credit

Can I get a loan for a root canal with bad credit?

Yes, it may be possible to get a loan for a root canal with bad credit, but your options could be more limited. Many lenders consider more than just your credit score—they’ll also evaluate your income, credit history, debt-to-income ratio, and overall financial stability to determine your ability to repay the loan.

If your credit score is holding you back, you may improve your chances of approval by applying with a co-signer who has strong credit. Some lenders may also specialize in working with borrowers who have less-than-perfect credit. Another option is to take time to improve your credit score before applying, which could help you return more favorable loan offers with lower interest rates.

What credit score do you need for root canal financing?

Root canal financing is more likely to be approved for borrowers with fair or better credit. According to the FICO® score scale, a fair credit score ranges from 580 to 669. If your score falls below this range, you may still have options.

Some lenders—such as OneMain Financial, an Acorn Finance lending partner—do not have a minimum credit score requirement. Instead, they evaluate other factors like income, employment history, and overall financial stability to determine eligibility. While your credit score plays a role, many lenders take a closer look at your credit history and ability to repay, giving more people the second chance they deserve.

Can I finance a root canal  with no credit check?

Most root canal loans will require a credit check, especially if you're applying for a traditional personal loan. However, with an average root canal cost of around $1,165, there are a few no credit check financing options that may be suitable—though they typically come with higher costs or require collateral.

No credit check loan options for root canal financing include:

• Car title loans: These use your vehicle as collateral. Approval is usually quick, but the risk is high—if you default, you could lose your car.

• Pawn shop loans: These require you to offer a valuable item as collateral. They're often fast and don’t require a credit check, but loan amounts tend to be small and fees can be steep.

If you're seeking an unsecured option that doesn't require collateral, you may want to ask your dentist if they offer in-house payment plans. Some practices extend flexible plans that don’t involve a credit check, especially for smaller balances or for patients with a good payment history.

Just keep in mind: while no credit check options can provide fast access to funds, they often come with higher interest rates and fees. Exploring all options—including traditional personal loans with soft credit checks for prequalification—can help you find the most cost-effective solution.

How much does a root canal cost?

On average, a root canal costs around $1,165, but the actual price can vary based on the tooth involved, the complexity of the procedure, your location, and whether a specialist (endodontist) performs the treatment. Additional costs such as X-rays, consultations, follow-up visits, and possibly a dental crown can increase the total expense.

You may also need to account for time off work to undergo the procedure and recover, which could further impact your finances.

If you're considering a personal loan to cover the cost, loan amounts typically range from $1,000 to $100,000, depending on your credit profile. Before applying, it’s wise to get a detailed cost estimate from your dentist so you know exactly how much you need to borrow. Since personal loans are funded as a lump sum, borrowing too little may leave you short, while borrowing too much could result in paying unnecessary interest and fees.

What should I consider before choosing a root canal financing option?

While financing can be a practical way to afford a root canal, it’s important to weigh the pros and cons before committing. Here are a few key considerations:

• Loan costs can vary: Loan offers can differ based on lender, credit profile, and loan offers. To ensure you’re getting the best deal, compare offers from multiple lenders. Many platforms allow you to check rates without affecting your credit score, helping you make an informed decision without added risk.
• Interest and fees: Financing gives you the flexibility to pay over time, but that convenience may come with interest charges and fees. Before signing, calculate the total repayment amount to understand the true cost of the loan—not just the monthly payment.
• Financial commitment: Taking out a loan is a long-term financial responsibility. Ensure that the monthly payments fit comfortably within your budget to avoid adding financial stress while managing ongoing expenses.

Can I use root canal financing for additional dental work?

Yes, root canal financing—especially in the form of a personal loan—can be used for additional dental work. Since personal loans typically have few spending restrictions, you're not limited to covering just the root canal procedure. If you anticipate needing follow-up treatments, crowns, or other dental services, you can borrow a larger amount upfront to cover the total cost. Understanding the full scope of your dental needs and obtaining an estimate before applying can help ensure you borrow the right amount and avoid needing a second loan later.

See Also:

• Invisalign Financing
• Dental Financing
• Dental Loans For Bad Credit
• Dental Implant Financing
• Braces Financing