Using a Personal Loan for Dental Expenses
Dental work is often only partially covered by insurance, and procedures like crowns, root canals, or orthodontics can carry a significant out-of-pocket cost. A personal loan lets you get necessary treatment done now and pay it off over time. It's one of several reasons Canadians borrow that we cover in detail.
What It Typically Covers
- Crowns, root canals, and extractions
- Orthodontics and braces
- Dental implants and cosmetic work
- Emergency dental treatment
Eligibility Requirements
- 18 years or older (19 in BC, NB, NL, NS, NT, NU, and YT)
- Canadian citizen or permanent resident
- Valid Social Insurance Number (SIN)
- Active bank account in your name
- A regular source of income
How Much Do You Typically Need?
For dental expenses, borrowers often look at around $1,500 — though the right amount depends on your specific situation.
Pros
- Fast approval — often within minutes
- Soft credit check only, so checking rates doesn't hurt your score
- Repayment term sized to the amount, keeping payments manageable
- Available to a wide range of credit profiles
Things to Consider
- Ask your dentist's office about in-house payment plans — some offer 0% financing directly.
- Check exactly what your insurance covers before borrowing for the full amount.
- Get a written treatment estimate, since costs can shift once work begins.
How to Apply for a Dental Expenses Loan
Step 1
Apply in 2 minutes
Tell us you're covering dental expenses and a bit about your situation. No paperwork.
Step 2
Compare offers
See real offers from vetted lenders, matched to your credit profile.
Step 3
Get funded
Accept an offer and funds typically land within 24 hours.