Best Patient Finance Companies for Dental Implants in 2025

Last updated on April 3rd, 2025 at 09:46 am

Marcus Hines: Author

The cost of dental implant therapy can sometimes seem insurmountable. The cost of dental implants can range from $3,000 for a single dental implant, up to $30,000 for a full set of upper or lower implant supported teeth. Fortunately there are several patient finance companies available to help make these procedures affordable.

Don’t allow this expense to intimidate you to the point that you refuse treatment. Putting off treatment will only cause your costs to increase in the future. And choosing to forgo treatment may negatively affect your overall health.

There are several healthcare personal loan companies and healthcare credit cards available that can help you establish a payment plan and make your dental implant treatment affordable. If you wonder which option is best for you, we have done the research here.

Also, visit our Making Dental Implant Treatment Affordable page for additional great recommendations for making implant treatment affordable.

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 laminate veneers.

Some medical procedures may be financed as well. Its emphasis is on large dental procedures, some plastic surgery, and other high-cost procedures.

When it comes to making large dollar dental implant treatment costs affordable, we rate Proceed Finance as the best healthcare patient finance company. Customers appreciate Proceed Finance for its transparency of its fixed loans, the flexible repayment terms, and the accessibility for those with lower credit scores.

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
• 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
• Short application using a soft credit check
• 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

LightStream offers personal loans for healthcare financing that can be used for making dental implant treatment affordable, and a variety of medical procedures.

Customers appreciate the low interest rates, lack of fees, and flexible loan terms. The application process is also praised for being fast and straightforward. We rate LightStream among the best patient finance companies.

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

The application process may be longer than that of some other financing options, as it involves a full credit check before final approval. Additionally, LendingClub healthcare loans are not tied to specific healthcare providers, meaning the funds can be used for a wide variety of treatments across different providers.

LendingClub Cons

• Some users express concerns for the approval process
• The maximum borrowing limits are not as robust as large dollar lenders
• Repayment terms tend to be shorter as well

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

Customers appreciate the convenience and wide acceptance of the card among healthcare providers.

• With a credit limit of up to $25,000, CareCredit provides a way to manage out-of-pocket healthcare costs through promotional financing options,
• typically ranging from 6 to 24 months, depending on the healthcare provider.
• It’s accepted by over 250,000 healthcare providers, making it a versatile option for covering a wide range of medical expenses
• Deferred interest plans are usually available, which allow you to avoid interest charges if the balance is paid off in full by the end of the promotional period
• May also be used for wellness purchases at select retailers like Walgreens, Rite Aid, Walmart, and Sam’s Club.
• No annual fee

CareCredit Cons

If the balance isn’t fully paid within that time frame, retroactive interest at the high APR (usually 32.99% or higher) will apply from the original purchase date. CareCredit doesn’t offer rewards, and its relatively high APR is a notable drawback for those who don’t pay off the balance quickly.

The high APR and retroactive interest charges are common points of dissatisfaction with CareCredit. Overall, it’s a good option for those who can manage to pay off their balance within the promotional period, but it’s less ideal for those who need longer-term financing.

Sources

1. Proceed Finance, Get the Life Changing Treatment You Deserve, Accessed 10/10/2025
2. LightStream, Dental Loans, Accessed 10/12/2025
3. Lending Club, Dental Financing Through LendingClub Patient Solutions, Accessed 10/8/2025
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