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Financing programs can enable monthly payment plans to make dental implants more affordable. Many smaller bite-sized payments fit more readily into a budget than one large mouthful.

Rome was not built in a day. Likewise, dental implants require several procedural steps that the practitioner spreads over time to allow for healing.

The extended timeframe and multiple steps offer several opportunities to get implants on the cheap – without sacrificing quality or appearance. Follow along as we break it down.

  1. Ask your provider for separate bills relating to each procedure step
  2. Use insurance when possible to reduce your out-of-pocket costs
  3. Finance the separate procedure bills to spread payments further

Dental Implant Financing Options

Several dental implant financing options can make the medium-sized bites more affordable by spreading payments out even further over time. Lower amounts help patients who lack the resources to make an upfront deposit before each procedure stage. Of course, you must meet lender requirements to qualify.


Dental implant loans give you the flexibility to choose any periodontist or oral surgeon. If approved, the lender or bank will deposit funds directly into your checking account. Control of the money gives you the flexibility to work with the provider of your choice.

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The funding comes in two primary forms with different pros and cons.

  1. Unsecured loans do not require collateral. However, the shorter repayment terms and higher interest rates translate into larger monthly payments.
  2. Secured loans often have lower monthly payments. However, you must have enough equity in your home, car, or boat to qualify.


Real in-house dental implant financing programs are scarce. Yes, the provider can bill over time as he or she performs each step in the procedure (tooth extractions, bone grafting, body placement, abutment insertion). However, most providers refer patients to a third party company for the more expensive steps in the process.

The third-party company makes it appear as though the provider is offering in-house financing. If approved, they send the funding to the practice rather than the patient. However, the patient then makes monthly payments to the finance company rather than the periodontist or oral surgeon.

This limits your choices to the provider that affiliates with the patient financing company. Keep this in mind when evaluating your options.

Bad Credit

Financing dental implants with bad credit is a challenge for many patients. It can be tricky finding a company willing to lend you money when you have adverse payment history appearing on your consumer report.

Here are some options to pay for dental implants with bad credit. The second option is far more affordable than the first is because it saves you money.

  1. No credit check loan companies will not view the adverse history appearing on your consumer report from one of the big three bureaus. Instead, they will consider your income and employment record along with financial information from alternative sources. Also, you will need to input your bank account and routing number to verify that you can send payments via check. Expect to incur an origination fee and pay interest on the amount that you borrow.
  1. Flexible Spending Accounts (FSA) provide interest-free loans without a credit check. Elect to fund the account up to $2,700 for the year at work. Schedule the next procedure at the beginning of the FSA plan year. Your employer must immediately reimburse any qualifying expense. You then have up to 12 months to repay your employer with pre-tax dollars – which reduces the taxes you must pay.
    1. Federal income taxes
    2. FICA taxes: 7.65%

Dental Implant Payment Plans

Dental implant monthly payment plans can make the procedure more affordable. Instead of having to fund one large upfront deposit, you spread the costs out over a year or longer. A larger number of medium-sized bites are easier to swallow than one big one.

In this section, we break down ways to get your provider to bill into medium-sized bites. We also cover to use insurance to lower your out-of-pocket costs. In the financing section below, we address how to make these bites even smaller.

Provider Plans

Many dental offices may provide a modified payment plan for implants that follows the timing of each procedure step. The process does not happen in a single day. It can take up to 24 months to complete the full restoration of your smile.

Periodic billing matching each step in the process can make the procedure more affordable for patients. There are up to six distinct phases needed over two years – with a significant need for healing time between each step. Six medium-sized bites are more comfortable to swallow than one big one.

Step Healing Time in Months
Tooth Extractions 1
Bone Grafting 4 to 12
Body Placement 4 to 6
Abutment Insertion 1 to 2
Installing Dentures 0

Ask the provider to bill for each step as they occur. The dental office does not need to extend credit to help you out. However, you can tap into the financing options noted below to spread the payments out further.

Dental Insurance

Monthly payments towards dental insurance premiums can also make implants more affordable. Nothing lowers the cost of any procedure like having a third party company reimburse a large portion of most expenses.

However, you have to make sure that the benefits exceed the cost to make the numbers work. Several caveats make the analysis tricky.

  • You must fund the premiums before starting any work – not after
  • The policies have obscure features that can come into play
      • Year 1: 25%
      • Year 2: 30%
      • Year 3: 50%
    • Programs without annual maximums have other caveats
      • Small networks (DMO)
      • Large copayments

Remember that time is on your side when dealing with the later stage steps. A 30% reimbursement for dentures in the final phase could prove very valuable.

Health Insurance

You may be making monthly payments towards your health insurance premiums already. Why not tap into this resource – if you can. Your healthcare plan can make several early-stage dental implant surgeries more affordable if they are medically necessary.

The definition of “medically necessary” may include dental care arising from non-biting accidents, certain diseases, and treatments deemed integral to other services included in the plan.

Step Medically Necessary
CAT Scan Rare
Tooth Extractions Rare
Bone Grafting Rare
Body Placement Rare
Abutment Insertion Never
Installing Dentures Never

For example, former cancer patients or people involved in a car accident can tap into this resource – if a disease or injury damaged their teeth. Their policy might then cover the CAT scan and surgical steps for medically necessary restorations.


Medicaid can also make dental implants more affordable for any medically necessary steps as noted above. After all, Medicaid is health insurance and follows similar rules for claims. Besides, many low-income families do not have to make any monthly premium payments to have this coverage.

Furthermore, Medicaid covers dental work for adults in many states. Each state makes its own rules for which categories of services to cover. Medicaid does not cover implants at all. However, it may include some of the early-stage steps such as extractions.


Medicare can also make dental implants more affordable to senior citizens for any of the medically necessary steps noted above. Medicare is a second public health insurance program for people over the age of 65 and some younger disabled adults.

However, Medicare does not cover traditional dental work in any state. Senior citizens need to purchase a supplemental policy to have regular oral care coverage.

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