Trips to the dentist are never fun. You have to deal with metal prongs prodding around in your mouth, injections in your gums, and that foul mouthwash – and that’s not even the worst part.

The scariest part of any trip to the dentist is the huge dental bill at the end. The average cost of a dental check-up is $50 which can feel a little steep, but more expensive dental work can cost thousands of dollars.

For larger dental bills, a loan is the best option. After all, not everybody has thousands of dollars to hand. Unfortunately, if you have a low credit score, you can find it difficult to get accepted for loans.

Thankfully, there are loans available for you even if you have a less than perfect credit score. Keep reading to explore your options if you want a dental loan and you have poor credit. You can also check out this helpful article on dental financing at Crediful.com.

MoneyMutual

Pros

• Perfect for short term loans
• Quick and simple application process
• Apply for multiple lenders at once
• Can borrow anything from $250 to $2,500

Cons

• Not ideal for more costly dental bills

If you’ve had a dental emergency and haven’t had time to gather the money to fund your dental bill, then MoneyMutual is one of your best options.

Their loan amounts vary from $250 to $2,500, which is perfect for smaller to medium dental costs. If you’ve had a couple of fillings or dental surgery, then this can easily be covered by a MoneyMutual loan.

As MoneyMutual is partnered with payday loans and payday loans only, the loan terms are generally short – and poor credit customers have a higher chance of getting accepted. If you have a stable income or expect incoming funds, then this is a great choice.

To get started, just get yourself on their website and apply – it’s quick and simple. It’s essentially an online loan marketplace, so you should be partnered with multiple lenders with one simple application form.

PersonalLoans.com

Pros

• No prepayment penalties
• Ideal for major dental emergencies
• Loan terms of up to 72 months
• APR starting at 5.99%

Cons

• None

If you need more complicated dental work doing or if you have a major dental emergency, then PersonalLoans.com is the best way forward – as you can borrow up to $35,000.

To get started, all you need to do is fill out the simple application form, which will only take you a couple of minutes. It’s a three-step process, and you can get connected with potential lenders in a matter of minutes.

Not only is the application process quick, but the fund deposit process is quick too. Some customers receive their money within one working day, which is ideal for dental emergencies.

Many lenders will charge you if you want to pay your loan off early, but thankfully, there are no prepayment penalties with PersonalLoans.com. Depending on what offers you receive, you can have up to 72 months to repay the loan, which is sure to make your monthly payments a lot more manageable.

BadCreditLoans

Pros

• Mixture of secured and unsecured loans
• Competitive interest rates
• Ideal for short term loans
• Can borrow up to $5,000
• Flexible loan terms

Cons

• Income must be $1,000 per month to qualify

Even with a poor credit history, you’re almost certain to get accepted for a loan with BadCreditLoans. It’s a site that connects you with multiple lenders, and you only need to fill out one simple application form.

The lower your credit score, the higher the APR – so don’t expect to be offered a low 5.99% interest rate if your credit score doesn’t reflect that.

The loan terms vary from 3 months to 36 months, which is typical for short term loans. As the maximum loan amount is $5000, the monthly repayments should be pretty manageable. After all, it’s not that likely you’ll need $5000 to cover some dental work.

Although you may come across some secured loans with BadCreditLoans, most of the lenders offer unsecured loans, meaning you won’t need to worry about putting your home down as collateral.

OneMain

Pros

• Loan terms up to 60 months
• Perfect if you have a poor credit history
• Both secured and unsecured loans
• Can borrow a maximum of $25,000

Cons

• Higher interest rates than other loan companies

A poor credit score can leave you with very few options, but no matter what your credit history looks like, OneMain is always an option.

As expected with loans for poor credit, the APR isn’t very competitive, varying from 25.10% to 36%. The loan amounts range from $1,500 to $25,000, which will be more than enough for major dental emergencies.

The payment plans are generally quite flexible, and depending on which loan you choose, you can have up to five years to repay the loan.