Dental Veneer Financing: Loans & Monthly Payment Plans

Financing for veneers can make this expensive dental procedure more affordable by spreading payments out over time to fit better into your monthly budget.

The easiest way to eat an elephant is one tiny bite (installment) at a time.

Taking out a loan first is the preferred alternative because money in the bank allows you to choose the best dentist instead of one offering “in-house” options.

A loan, credit card, or buy-now-pay-later arrangement could fuel your payment plan. Get a quick estimate of the monthly costs for each veneer type. See if you can manage the installments for your upgraded smile.

Dental Veneers on Finance

Veneer financing allows patients to restore their smiles right away and then pay for the dental work later in installments. Unsecured contracts do not require any collateral (house, car, boat, or diamond ring).

Personal Loan

It’s easy to get a personal loan (Sponsored Link) to finance dental veneers. If approved, the lender could deposit the funding directly into your checking account, putting you in control of the process.

A personal loan is an installment contract, which features fixed monthly payments over a predefined period (one to five years depending on qualifications). Boost your approval odds by having these items handy when completing the online form.

  • Driver license number
  • Bank account and routing number
  • Telephone number of your employer

Getting a loan first enables you to pick the cosmetic dentist with the most experience and best reputation for creating beautiful smiles. Why select an inferior provider because they offer an in-house alternative?

Credit Card

Credit cards for dental work are another financing option for veneers. Credit cards are revolving contracts, which feature an account borrowing limit and flexible monthly payments.

Third-party companies often market limited-use credit cards to providers so they can offer “in-house” financing to their patients. Dentists are not experts in lending money, so they typically outsource the function to another company so they can focus on expanding their practice.

Many medical credit cards often include deferred interest promotional offers, appealing on the surface but contain a hidden penalty.

  • Zero percent interest provided you repay the entire balance by the end of the promotional period
  • Sky-high (26.99%) interest rate on the original balance if you fail to repay the entire amount in time

Bad Credit

Financing dental work with a bad credit history will prove challenging because your approval odds are lower, and borrowing costs will higher if successful.

Plus, because veneers are typically cosmetic, patients with low FICO scores have fewer safe alternatives to borrowing money to pay for treatment.

For example, cosmetic procedures do not qualify for IRS tax favorsFlexible

  • Spending Account (FSA)
  • Health Savings Account (HSA)

Cosmetic dental insurance without waiting periods could a safe way for patients with lousy credit to pay for veneers. An adverse history appearing on your consumer report does not prevent you from buying a policy.

Veneer Monthly Payment Plans

Payment plans for dental veneers are just another name for financing. You can get a loan or credit card beforehand or at your provider’s office through their “in-house” program – where they refer you to a third-party company.

Either way, you might want to gauge how much you should budget each month based on these five factors.

  1. Cost with insurance if applicable
  2. Number of teeth treated
  3. Price of the laminate and installation
  4. Borrowing costs
    1. Origination fees
    1. Interest charges
  5. Number of installments

Snap-On

Payment plans for snap-on veneers will yield the lowest monthly amount because the price point is the most budget-friendly. With clip-on veneers, you order a kit online, make impressions of your teeth at home, and your new smile arrives in the mail shortly after – without any intervention by a dentist to grind your teeth.  

For example, a full-mouth set of top and bottom occasional-use snap-on veneers sets you back only $470 at two leading online providers. With these low price points, they can refer patients to buy-now-pay-later companies that offer various options.

Provider3rd-Party Companies
True SmilePartial.ly
InstaSmileSplit.it
Partial.ly
Quadpay
Viabill
Genesis Credit

For instance, InstaSmile quotes a $66.58 per month figure for its starting point illustration, including no down payment and no coupon discount.

Composite

Payment plans for composite veneers are likely to have the lowest monthly cost of the three longer-lasting treatment alternatives because of the more affordable prices and the possibility of insurance coverage.

Estimate the monthly costs for composite veneers, assuming a 10% interest rate and $8,000 price tag over several term lengths.

Number of InstallmentsCost per Month
12$703
24$369
36$258
60$170

Porcelain

Payment plans for porcelain veneers are likely to fall into the top end for the monthly cost of the three longer-lasting treatment options because of the higher prices.

  • Annual maximum benefits are a massive factor for medically necessary porcelain laminates leaving patients to pay the bulk of expenses
  • The average price per tooth of porcelain laminates is about $1,750 for a total of $14,000 to cover eight upper teeth for the typical smile

Estimate the monthly costs for porcelain veneers, assuming a 10% interest rate and $14,000 price tag over several term lengths.

Number of InstallmentsCost per Month
12$1,231
24$646
36$452
60$297

Lumineers

Payment plans for Lumineers consistently fall into the middle of the monthly cost range of the three longer-lasting treatment options because of lack of any insurance contribution.

  • Lumineers are never medically necessary (covered by insurance) because the ultra-thin laminate makes them unsuitable for restorative dental work
  • The average price per tooth of Lumineers is about $1,400 for a total of $11,200 to cover eight upper teeth for the typical smile

Estimate the monthly costs of Lumineers, assuming a 10% interest rate and $11,200 price tag over several term lengths.

Number of InstallmentsCost per Month
12$984
24$517
36$361
60$238

Frequently Asked Questions

Scan this list of frequently asked questions to understand the financing options for dental veneers and Lumineers better.

Can you Pay for Veneers in Installments?

Financing enables patients to pay for dental veneers in installments over time. Choose between unsecured personal loans, revolving credit cards, and buy-now-pay-later programs.

How Much are Monthly Payments for Veneers?

The projected size of any monthly payments for veneers depends on the number of teeth upgraded, the laminate and installation price, whether insurance covers the procedure, borrowing costs (origination fees and interest charges), and the number of installments. 

How Long can you Finance Veneers for?

Your borrowing credentials dictate how long (number of months) you can finance veneers. People with the highest credit scores can qualify for loans with up to five-year repayment terms.