You need dental work now, but there’s no insurance and your cash reserves are practically non-existent. How will you go about covering the cost? Depending on the particulars of your situation there are several ways to deal with the expense. Knowing how to pay for dental work with no money is a matter of exploring each possible option, relating it to your situation, and settling on the one that works best. Here are some strategies to consider.
Discussing a Payment Plan With the Dental Office
While you don’t have any spare cash right now, that’s not going to be the case for long. With some slight tweaks to the budget, it would be possible to pay for the dental work in installments. In fact, your dentist may offer this option already. This is especially true of dentists that accept no insurance.
Installment payments are also a good approach for anyone who has experienced some financial issues in the past and no longer has the best credit score. There’s no doubt that working out a payment plan with the dental office is at the top of the list of how to pay for dental work with bad credit. Talk with the office manager and see what sort of arrangements can be made.
Reach Out to Local Public Assistance Agencies
Depending on your income level and a few other basic requirements, you may qualify for dental payment assistance through a local program. It’s not unusual for municipalities, counties, parishes, states, or provinces to have dental payment options for those with lower incomes. Find out how those plans work and see if you qualify.
Qualifying for a Dental Credit Card
Perhaps your credit is not the issue. It’s just that you don’t have much cash on hand right now. One way to manage the expense is to apply for a dental credit card. Sometimes known as a medical credit card, these accounts are restricted for use with dental and other medical services only. Make sure your dentist does accept the card before applying. You’ll find that learning how to pay for expensive dental work with a card is a great solution, since you can pay off the cost over time and at whatever pace works best for you.
Seeking a Dental Loan
A dental loan could also be the ideal approach to financial assistance for dental work. Like a standard loan, you repay the debt using a series of fixed installment payments. Do keep in mind that many lenders offering this service do require that the borrower supply a small down payment on the total treatment cost. If you can manage to scrape together that amount and qualify for the loan, managing the expense will be relatively simple.
Establishing a Dental Line of Credit
There are also medical lines of credit that may work well in your case. Among those, a dental line of credit would provide the revenue needed to pay for the necessary procedures. One benefit of this approach over a dental loan is that you have more flexibility in terms of repaying the debt. If you can pay more one month, do so. At other times, pay on the minimum that the terms and conditions require. Remember that paying off the line of credit sooner rather than later will reduce the amount of interest that you ultimately pay.
Don’t assume that a temporary lack of financial resources means you have to do without necessary dental work. There are options that will allow you to pay for dental care for adults without insurance. Evaluate each of these and see what you think. If you do decide to seek help from some type of lender, make sure to choose the one that offers the best possible terms. Once you successfully retire that first debt, there will be no doubt of where to turn the next time there’s the need for some kind of dental work.