1-800-557-AJEVA (2538)

Frequently Asked Questions

We’ve got answers.

This section will provide you with answers to some of the most frequent - and brilliant - questions asked about Ajeva. If something you need to know isn’t answered here, feel free to contact us.

AJEVA LOAN BASICS

What’s Ajeva?

Ajeva is a financing solution for dental patients needing treatment, specializing in helping people, regardless of credit scores or financial situations.

How does Ajeva work?

First you’ll submit an application. We’ll take a look at your entire credit profile, not just your credit score, and give you a decision in 5 minutes or less. If approved, we’ll finalize loan verification and you’ll submit a down payment for 15% of the approved loan amount. The funds for your treatment are then sent directly to your dentist.

What procedures are covered?

Any dental related treatment can be financed with Ajeva.

What procedures are not covered?

Non-dental healthcare treatments cannot be financed with Ajeva.

Is there a down payment?

Yes, we require a down payment of 15% of the approved loan amount.

What are the interest rates for dental loans?

Interest rates are fixed, starting at 14.9%, depending on your individual situation. Many lenders charge as much as 36% or more! Also, there are no prepayment penalties, so you can pay off your loan early to save on interest.

I don’t want to pay interest. Is there an option to pay deferred interest?

We don’t offer a zero percent or deferred interest plan; however, you can pay your loan off early without penalty to save money on interest.

What kind of payment plans does Ajeva provide to patients?
All Ajeva payment plans are affordable and fixed with monthly, weekly, or bi-weekly payments. Terms range from 6 to 24 months, depending on your individual situation. Your specific loan terms will be finalized during the application process.
How much can I finance?

The total amount you can finance will depend on your individual situation and credit profile. Rest assured, we’ll look at your circumstances holistically and treat you like a human, rather than the 3-digit number many other lenders base their decisions on.

Where can I use Ajeva?

Ajeva can be used at any dental office in our network. If your dentist is not in our network, invite them to contact us to become an Ajeva provider!

Applying for Ajeva

How can I apply for an Ajeva loan?

You can apply by clicking here. It’s easy, and it takes less than 5 minutes! Applying will not impact your credit score.

What information do I need to apply online?

We require basic information for approval: your name, social security number, address, living situation, income, and banking information for automatic payments.

Do I need to choose a dentist before applying?

No, you can apply for Ajeva even if you don’t have a dentist in mind. In fact, we can recommend a qualified dentist in your area if you’d like. Give us a call at 1-800-557-AJEVA (2538) or fire up a chat window below and we’ll connect you.

How long does it take to get a decision?

Decisions are typically made within 5 minutes.

Can I apply over the phone?

No, you may call an Ajeva Advocate at 1-800-557-AJEVA (2538) or open a chat window below to go over your questions, but applying for a loan needs to be completed right here, online.

Will applying affect my credit score?

Not at all! Applying has absolutely no effect on your credit score. We Promise!

If you don’t check my credit score, why do you need my social security number?

Ajeva uses your social security number for verification purposes. While we don’t look at your credit score, we do look at your credit profile. Your social security number confirms you’re a real person and not a robot.

Can I apply with a cosigner?

Yes, Ajeva will allow a cosigner if your initial application is declined.

How does Ajeva keep my personal and banking information safe?

We use state-of-the-art technology and the most secure software, computers, and servers to ensure your personal information will never be compromised.

Can I apply if I’ve had a bankruptcy?

Yes, as long as your bankruptcy has been discharged.

How much can I finance?

The total amount you can finance will depend on the primary applicant’s credit profile, which is determined during the application process.

Payments

When will I receive my first billing statement?

Your first statement will be sent to you 7 days before your monthly payment is auto-debited from your bank account.

What will my monthly payments be?

Apply now and find out! Your payments will be based on the amount financed, your interest rate, and the length of your loan.

How do I find a dentist in my area?

If you don’t already have a dentist, contact us at 1-800-557-AJEVA (2538), or fire up a chat window below. We’d be happy to connect you to a qualified dentist in your area.

Can I pay off my Ajeva loan before the end of the term?

Absolutely! You will save money on interest this way!

I need to make a payment immediately. What are my options?

You can click here to sign in to your account and select “Make a Payment”. You can also call an Ajeva Advocate at 1-800-557-AJEVA (2538) for assistance, or open a chat window below.

Can I access my account or make a payment online?

Absolutely. Click here to create an online account or log in.

Can I make a payment at my dentist’s office?

No, payments must be made directly to Ajeva. You can click here to sign in to your account and select “Make a Payment”. You can also call an Ajeva Advocate at 1-800-557-AJEVA (2538) for assistance, or open a chat window below.

My budget is tight this month and I am having problems making my payment. What should I do?

We totally understand. Please call an Ajeva Advocate right away at 1-800-557-AJEVA (2538) discuss possible options, or open a chat window below.

What if I can’t afford to make my payment one month?

Ajeva is built on the understanding that financial situations occasionally change. Chat with us, or call an Ajeva Advocate right away at 1-800-557-AJEVA (2538) to work out a solution.

My Ajeva Account

I need to change the phone number and address on my account. Do I have to contact your call center to make this change?

You can call us directly at 1-800-557-AJEVA (2538), you can fire up a chat window below, or you can log in to your online profile here to make the updates.

I haven’t received my statement. What should I do?

Give us a call at 1-800-557-AJEVA (2538) or open a chat window below and we’ll verify your information. We can also email you a statement right away.

Contact Ajeva

Where can I call with questions about my Ajeva account?

An Ajeva Advocate is standing by and ready to help. Open a chat or give us a call toll-free at 1-800-557-AJEVA (2538).

Ready to Apply?

Apply now and get an instant decision, so you can schedule your dental care right away.

APPLY NOW *Applying will not impact your credit score.

Get Approved. Get Treatment. Smile.