Dentures are often very expensive. This applies regardless of whether entire prostheses, larger bridges or just individual crowns are required. Depending on the material from which these parts are made, the cost can be either several hundred or even several thousand USD. For this reason, many patients wonder how they should finance their urgently needed dentures.
They will not always have the money on the high edge or have thought about taking out private dental supplement insurance in good time. If they do not want to do without dental treatment altogether, they often have no other option than to look for a suitable dental loan with payment in installments. Statutory health insurance only partially contributes to the costs of dentures.
Dental credit with installment payment from the dentist
If the patient notifies his dentist in good time that there may be serious problems in paying the cost of the denture, the dentist can offer direct support in many cases. This is especially true if he works with a partner bank that can arrange a cheap dental loan with installment payments if necessary. Often these loans are even completely free of interest. However, this only applies to a term of up to 6 months.
In certain circumstances, the dentist may also agree that the patient will pay the cost of the denture in installments. This is most likely to be the case if there is a longstanding relationship of trust between the doctor and the patient and the patient has so far proven to be reliable.
Installment loans from the bank
If you have a good credit rating and do not want to go through the dentist, you could also try to get a dental loan with payment by installments from your house bank or another German bank. The most important requirement is a positive credit bureau information and a regular income. The latter should ideally be so high that, in addition to paying the monthly repayment installments, there is still enough scope for subsistence, major repairs or other important expenses. The bank will draw up appropriate household bills here and adjust both the amount of the installments and the length of the term to the income of the customer. A bank loan is generally freely available and can also be used as a dental loan with payment in installments.
Immediate treatment without delay
All credit options have the great advantage that the dentist can start treatment immediately and does not have to wait until the patient has saved the necessary amount of money. In addition to an installment loan, the overdraft facility on the current account could also be considered as a dental loan.