Best Patient Finance Companies for Dental Implants in 2025

Last updated on May 18th, 2025 at 05:58 pm

Marcus Hines: Author

The cost of dental implant therapy can sometimes seem insurmountable. Fortunately there are patient finance companies available to help you make these procedures affordable so you don’t have to be intimidated to the point that you refuse treatment. Putting off treatment will only lead to increased cost in the future. And forgoing treatment may negatively affect your overall health.

Patient financing companies allow you to establish a payment plan. Figuring out which option is best for you can be a challenge. To make this process easier, we’ve done the research for you here.

Proceed Finance — Healthcare Personal Loan

Proceed Finance is a healthcare financing company that specializes in offering larger dollar loans that help make the cost of dental implant treatment affordable. Dental procedures commonly financed through this option include dental implant treatment and cosmetic dental procedures.

Proceed Finance’s emphasis is on high cost dental procedures like Jessica’s full mouth implant story shared in a recent post. When it comes to making large dollar dental implant treatment costs affordable, we rate Proceed Finance as the best healthcare patient finance company.

Proceed Finance Pros

Unlike many healthcare credit cards, Proceed Finance offers fixed-term loans with competitive interest rates. This gives borrowers a more predictable payment schedules.

• Wide ranging borrowing amounts from $2,500 to $75,000
• Short application using a soft credit check
• Terms can range from 24 to 144 months, longest terms available
• Approvals are not solely based on credit scores, making loans accessible to patients with a wider range of credit histories
• Quick application turnaround approval time
• Interest rates tend to be lower than the high APRs seen with healthcare credit cards
• Wide range of credit score approvals
• No prepayment penalties

Proceed Finance Cons

• May not be offered by your implant provider
• Must go through a provider to apply for a loan

LendingClub — Healthcare Personal Loan

LendingClub offers personal loans tailored for healthcare expenses. They provide a flexible financing solution for dental and medical procedures, including dental implants, fertility treatments, and cosmetic surgeries.

LendingClub loans allow patients to make their dental implant treatment affordable without using traditional healthcare credit cards.

Overall, LendingClub is considered a strong option for those seeking affordable healthcare financing. We rate LendingClub among the best patient finance companies.

LendingClub Pros

Customers appreciate the flexibility in loan amounts and repayment terms, as well as the relatively lower interest rates compared to healthcare credit cards.

• Loan amounts ranging from $1,000 to $40,000
• Repayment terms typically spanning 36 to 60 months
• Interest rates are often lower than those of many healthcare credit cards, giving borrowers a more affordable long-term option
• Loans come with no prepayment penalties
• Fixed monthly payments allow for greater financial predictability
• Approval is generally based on a soft credit check initially, making it easier to explore options without affecting your credit score

LendingClub Cons

• Some users express concerns for the approval process
• The application process may be longer than other patient financing companies
• The maximum borrowing limits are not as robust as other large dollar patient lenders
• Repayment terms tend to be shorter compared to other patient financing options

Alphaeon — Health Credit Card

The Alphaeon Credit Card is a healthcare financing option designed for individuals seeking elective healthcare services, particularly in dentistry, dermatology, ophthalmology, and plastic surgery. We rate Alphaeon among the best patient finance companies.

Alphaeon Credit Pros

Customers appreciate the clear terms and lack of retroactive interest, as well as the competitive APR.

• Credit limit of up to $25,000
• The card offers deferred interest promotional financing options, typically ranging from 6 to 24 months, depending on the healthcare provider’s terms
• Unlike some healthcare credit cards, Alphaeon doesn’t impose retroactive interest if the balance is not paid in full by the end of the promotional period
• Relatively lower APR, often more competitive than other healthcare credit cards.
• Extended payment plans offered for qualified applicants
• No annual fees

Alphaeon Credit Card Cons

This card is only accepted by a limited number of providers within the healthcare specialties it supports. With a $25,000 maximum borrowing limit it may not be enough to cover the entire cost of your dental implant procedure. However, the card’s limited acceptance among healthcare providers is a notable drawback for some users.

CareCredit — Healthcare Credit Card

CareCredit is one of the most widely used healthcare credit cards in the U.S. This option offers financing for dental, medical, vision, and even veterinary expenses.

We rank CareCredit among the best patient finance companies.

CareCredit Pros

• Credit limit of up to $25,000
• Promotional repayment terms typically range from 6 to 24 months
• Accepted by over 250,000
• Deferred interest repayment terms are often available, allowing you to avoid interest charges (if paid in full during the promotional period)
• May also be used for wellness purchases at select retailers like Walgreens, Rite Aid, Walmart, and Sam’s Club
• Wide acceptance of the card among healthcare providers
• No annual fee

CareCredit Cons

• Credit limits may be insufficient for higher cost dental implant procedures, like full mouth implants
• Balances not paid in full within the promotional period could result in costly retroactive interest rates, back to the original purchase date
• Interest rates tend to be higher than other patient financing options

Sources:

1. Proceed Finance, Patient Financing is Our Specialty, Accessed 10/10/2024
2. LightStream, Dental Loans, Accessed 10/12/2024
3. Lending Club, Dental Financing Through LendingClub Patient Solutions, Accessed 10/8/2024
4. Alphaeon, Your Best You is Closer Than You Think, Accessed 10/20/2024
5. CareCredit, Dental Care Financing Options, Accessed
6. CommerceHealthcare, Patient Financing: Improving the Patient Financial Experience, Accessed, 10/8/2024
7. NerdWallet, 5 Best Medical Loans in 2025, Accessed 1/19/2025
8. CreditKarma, 3 Best Medical Loans of 2025, 12/20/2024