Finance dental work and pay over time — from $200 to $5,000
From implants and orthodontics to a surprise root canal, Wisetack lets you split the cost of dental care into easy monthly payments. Rates as low as 0% APR, no hidden fees, and checking your rate won't affect your credit score.
Soft credit check · No impact to your credit score
Dental work you can finance with Wisetack
Cover planned treatment or an unexpected dental emergency and spread the cost over time — most dental procedures from $200 to $5,000 are eligible.
Implants & oral surgery
Single implants, multiple implants, bone grafts, and extractions — pay for major restorative work in manageable monthly installments.
Orthodontics & aligners
Traditional braces and clear aligners for adults and teens — finance the full treatment plan instead of paying it all upfront.
Crowns, bridges & veneers
Restore or upgrade your smile with crowns, bridges, and cosmetic veneers, split into easy payments with no hidden fees.
Emergency dental care
Root canals, broken teeth, and sudden pain can't wait. Get a fast decision so you can be treated now and pay over time.
Routine & preventive care
Deep cleanings, fillings, and check-ups add up. Financing helps you stay on top of your dental health without straining your budget.
Cosmetic dentistry
Whitening, bonding, and full smile makeovers — finance elective treatments with transparent terms you can trust.
How dental financing works
Apply from your phone at the dentist's office or from home. Most people get a decision in seconds.
Check your rate
Enter a few details to see your personalized offers. It only takes a soft credit check, so your credit score isn't affected.
Choose your plan
Compare monthly payment options and terms. Pick the plan that fits your budget — with 0% APR available for qualified borrowers.
Get your treatment
Your dentist is paid, you get the care you need, and you pay over time in simple monthly installments with no prepayment penalty.
Clear dental financing rates and terms
No origination fees, no prepayment penalties, and no surprises. Here's what to expect.
Your actual rate and term depend on your creditworthiness and the amount financed. Qualified borrowers may receive promotional 0% APR offers. Estimate a monthly payment
What your monthly payment could look like
Real examples for common dental treatments. Your actual offer depends on your creditworthiness and the amount financed.
A filling, cleaning, or minor work
Crowns, root canal, or aligners
Implants or full-mouth work
Examples are illustrative only and not an offer of credit. 0% APR offers are available to qualified borrowers; APRs range from 0% to 35.9%. Check your rate to see your personalized options.
Do you qualify for dental financing?
Most applicants qualify in minutes. You'll generally need to meet a few basic requirements:
- Be at least 18 years old (19 in some states)
- Have a valid U.S. bank account and phone number
- Provide a valid Social Security or ITIN number
- Show a steady source of income
Check your dental rate in minutes
See your personalized monthly payment options with a soft credit check that won't affect your credit score. There's no obligation and no cost to apply.
Check Your RateReal people who financed their dental care
See how Wisetack helped patients cover implants, orthodontics, and emergency dental work.
Affordable monthly payments for implants without a credit card
I needed two implants that insurance wouldn't cover. Wisetack let me pay over time with clear terms and no surprise fees. The application took two minutes and I saw all my payment options instantly. Easily the best way to finance dental work.
Financed my daughter's braces at 0% APR
Orthodontics was a big expense and paying it all upfront wasn't realistic. I qualified for a 0% APR plan, so we split it into easy monthly payments with zero interest. Checking the rate didn't touch my credit score.
Approved in seconds for an emergency root canal
I cracked a tooth on a weekend and needed a root canal fast. I applied from my phone in the waiting room and was approved almost instantly. No hidden fees and I paid it off early with no penalty.
Dental financing vs. other ways to pay
How paying over time with Wisetack compares to a credit card or a medical credit card.
| Feature | Wisetack | Credit card | Medical credit card |
|---|---|---|---|
| Check rate without credit impact | Yes — soft check | No | Often hard pull |
| 0% APR options | Yes, qualified | Intro only | Deferred interest* |
| Deferred-interest traps | None | Possible | Common |
| Fixed monthly payment | Yes | Revolving | Revolving |
| Prepayment penalty | Never | None | Varies |
| Hidden or late fees | No hidden fees | Yes | Yes |
*Deferred-interest promotions can charge interest retroactively from the purchase date if the balance isn't paid in full by the end of the promo period. Comparison is for general information only; terms vary by provider and applicant.
Typical dental costs you can finance
Approximate national price ranges. Wisetack financing covers most treatments from $200 to $5,000.
Price ranges are national averages for general reference and vary by provider, location, and case complexity. They are not quotes or offers.
Dental financing questions, answered
Everything you need to know about paying for dental work over time with Wisetack.
Wisetack looks at more than your credit score alone. Checking your rate uses a soft credit inquiry that won't affect your credit score, so you can see whether you prequalify with no risk. Your approval and APR depend on your overall creditworthiness and the amount you request.
You can pay over time for implants, crowns and bridges, root canals, orthodontics and clear aligners, veneers, wisdom tooth extraction, and emergency dental care. Financing covers most treatment plans from $200 to $5,000.
Yes. Qualified borrowers may receive promotional 0% APR offers, which means no interest when you pay on schedule. APRs otherwise range from 0% to 35.9% based on your creditworthiness and the amount financed.
No. Checking your rate is a soft credit inquiry that has no impact on your credit score. A hard inquiry only happens if you choose to accept a loan offer.
No. There are no origination fees, no prepayment penalties, and no late fees. You can pay your dental loan off early and only pay for the time you borrow.
You can use Wisetack at any dental provider that offers it at checkout. Many practices already partner with Wisetack; if yours doesn't, ask your office to send you a Wisetack link so you can apply for your treatment.
Most applicants get a decision within seconds. The whole process usually takes less than a few minutes from your phone, so you can often be approved before you even leave the dental office.
There is no single cutoff score. Wisetack weighs several factors beyond your score alone, and checking your rate is a soft inquiry that won't affect your credit, so it's worth seeing your options even if your credit isn't perfect.
Yes. There are no prepayment penalties, so you can pay off your balance early at any time and only pay for the time you actually borrow.
Still deciding? Read all Wisetack FAQs or learn how Wisetack compares to Affirm, Klarna, and CareCredit.
Keep exploring your options
How Wisetack works
See the full application, approval, and repayment process from start to finish.
ToolPayment calculator
Estimate a monthly payment for your dental treatment across different terms.
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Ready to finance your dental care?
Check your rate in minutes with no impact on your credit score. Clear terms, 0% APR options, and no hidden fees.