How to Pay for a Dentist Without Insurance

Dental insurance pays for a portion of your care -- but without insurance, you're left to cover the entire cost of your dental procedure. Paying a dentist out of pocket can add up quickly. However, there are options to finance your dental care without insurance -- allowing you to make monthly payments rather than pay the entire amount up front.

• 1

  Ask your dental provider if he offers a payment plan or a financing option.

• 2

  Put the cost of the dental work on a credit card. This will allow you to make monthly payments rather than pay the full cost up front.

• 3

  Apply for a personal loan with your local bank. A personal loan can be used for any purpose.

• 4

  Apply for a loan through a medical or dental loan provider. Visit carecredit.com, chasehealthadvance or allcarefinance.com.

• 5

  Contact your local health department or dental society or association. Ask for a list of providers who offer care to people who do not have insurance and can't afford dental care. In many cases, these are dental schools that offer low cost or free treatment.