Understanding the Challenges of dental financing in Canada with Bad Credit
If you’re wondering: no money for a dentist in Canada, what can I do? It might also be
because you have bad credit, poor credit or no credit at all, and you might be thinking
it’s impossible to get a loan.
That is not true! Loan Boys can get money into your account and fast, even if you have
bad credit or no credit at all.
What is Considered Bad Credit?
Here is a credit scale to make things easier for you to understand. Don’t forget
that bad credit can stay on your credit report for up to 6 years.
- Bad credit: 300 to 580 or even up to 599
- Fair credit: 600 to 679
- Good credit: 680 to 739
- Very good credit: 740 to 799
- Excellent credit: 800 and up.
How dental Clinics Evaluate Credit Scores
Dental clinics might offer financing if you can prove your ability to pay back the
procedure according to pre-established repayment terms. But in order to
approve you for this, they will ask for a credit report and base their approval on
your score. So, if you have bad or fair credit or not credit at all, they will probably
not approve you.
Common Obstacles for Patients With Bad Credit
The problem with bad credit is that loans are generally based on your score, even
if your financial situation has changed and you are able to pay back your loan
today. Bad credit can stay on your record for a period of 6 years.
That is the advantage of dealing with Loan Boys. We don’t ask for a credit check.
We don’t care about your credit history. All we want to know is if you can pay
your loan back today.
Strategies to Improve Your Chances of Approval
For expensive procedures, you can try accessing money from more than one source at
once. This might help you cover the full expense more easily. You can opt for more
traditional alternatives combined with less traditional alternatives.
Taking a Personal Loan
You might want to try taking out a personal loan or even approach your financial
institution. If you have fair credit, for example, they might approve you but for a
lower amount than what you need in total for the procedure. That is when you
can choose to complete the amount with other lenders.
Using your credit card
You can put some of the costs on your credit card, knowing that you will only
need to make minimum payments monthly without any penalty. This can allow
you to address the loans that need to be repaid more quickly first, and then deal
with paying more than the minimum on your credit card later.
Using Loan Boys with the remaining amount you need to fix your teeth
If with these two options or any other option you still need to top off the amount
to be able to cover the entire procedure, don’t hesitate to fill out a form and
apply for one of our loans.
Loan Boys will connect you with several top lenders to make sure that you get
the highest chances of getting approved and so that you can get your money
quickly and get your teeth fixed in no time.
What to do if you can’t afford a dentist in Canada
If you’re facing a dental emergency and you’re wondering, with no money for a dentist in Canada, what can I do? You might also be wondering how to finance dental implants with bad credit?
We’re here to tell you: don’t stress! No matter your dental needs, Loan Boys can get you a loan with nearly guaranteed approval so that you get book your dental appointment and get back to your life quickly.
What is the cost of a dental appointment in Canada?
The cost of a dental appointment will depend on several factors, like the nature of your visit, the reason for the procedure, the amount covered by your insurance, if you need an X-ray (radiograph) or not, etc. Here are just some prices to give you a general idea:
- General check-up / cleaning: from $150 to $300
- Filling: $175 to $365
- X-rays: $85 to $300
- Emergency exam: $125 to $300
-Implants and grafting: $1,250 to $3,000
How can I fix my teeth with no money?
If you are facing a dental emergency and have no money, the best way to get things done is to apply for a Loan Boys loan. Not only will you get quick access to the money, but you also won’t have to jump through any hoops.
We do not require a credit check. We also connect you with not one, but several top loan providers simultaneously.
How to apply for a dental loan?
All you have to do is fill out our online application form. You can complete it in under a minute. You can then get approved within minutes after that. So, simply apply, then sit back and relax. We will take care of the rest for you.
When is it too late to fix my teeth if I have no money?
There are some dental issues that really need to be fixed quickly, or you might get stuck with complications that will only make matters worse in the long run. The best thing to do is to get an emergency exam and then take things from there.
The dentist will be able to tell you what work needs to get done ASAP, what can wait, and what options are available to you and which ones are most cost-effective.
How much does it cost to fix your teeth in Canada?
As we’ve seen above, it will depend greatly on the dental problem. An exam is the best way to get an estimate of costs and to see which is the cheapest alternative or solution. One thing is for sure: sometimes it is best to spend right now then waiting and have to spend more money later.
What is the cheapest way to fix your teeth?
You can take out one of our loans and then shop around for the best dental clinic. There are some clinics that are very expensive and others that are reasonably priced. These clinics usually have dental costs explained directly on their website.
Is it possible to apply for a dental implant loan in Canada?
Absolutely. You can definitely apply for one of our loans and use it for a dental implant or even grafting. You can fill out the application form directly on our website in under a minute.
What can I do if I don’t have money to repair a chipped tooth?
Have you chipped a tooth and are wondering, with no money for a dentist in Canada,
what can I do? You can apply for a Loan Boys loan. Our loans are hassle-free and quick.
The entire application process takes less than a minute and you can get approved within
minutes after that.
What is a chipped tooth?
A chipped tooth is basically a portion, big or small, of your tooth that has broken
off. A very small chip may not need emergency repairs, but major chips might
require emergency procedures to prevent you from bigger problems in the long
run.
This is especially true if a nerve has been exposed. If you don’t get it fixed quickly,
you might have to get a root canal.
Is a chipped tooth painful?
A dentist is the best person to tell you if a chipped tooth needs to be repaired or
not. Let’s just say that in cases where your chipped tooth is painful, it is most
likely because a nerve has been exposed. If this is the case, you will need
emergency repairs.
How much does it cost to repair a chipped tooth?
If the chip is minor, you might be able to get it repaired for $100 to $150. If the
chip is more significant or if a nerve has been exposed, you might need a crown
or a veneer, and that will be more expensive. It can cost up to $1,000 or even
more.
How to fix a chipped tooth at home?
It is not recommended to fix a chipped tooth at home. Some people are afraid of
dentists and want to stay away from clinics, but there are some good and
trustworthy clinics out there and the safest thing to do is to get it fixed
professionally, or you might be facing bigger problems in the long term.
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