A young child sits on their mother's lap, smiling while interacting with a dentist in a clinic.

Dental Loans

Transform your smile with a dental loan

When dental expenses arise, we're here to help you look and feel your best. Apply for a dental loan from $1,500 to $20,000 and get the treatment you need.1

Check for offers

This won’t affect your credit score.

What you get with every OneMain dental loan

Icon showing calculator on top of a piece of bill

Loans that work for your budget

Fixed payments and clear, upfront terms.

Icon showing a dollar bill with a stop watch

Money right when you need it

Quick decision. Money as fast as 1 hour after loan closing.2

Icon showing two hands performing a 'high five'

Support from start to finish

Real people in branches, on the phone and ready to help online.

A woman with a bright smile holding a mirror, sitting in a dental clinic.

Tackle unexpected dental expenses with ease with a OneMain dental loan

Even after maximizing your insurance benefits, some procedures like crowns, veneers and orthodontics may not be fully covered. Emergencies could also blindside you with unplanned costs.

Dental financing can help you cover unexpected expenses and allow you to pay for them over time.

Check for offers

Checking won’t affect your credit score.

What is a dental loan?

A dental loan is a personal loan used to pay for out-of-pocket expenses for dental procedures not fully covered or for individuals who do not have dental insurance coverage. Your smile and oral health are important, so when unexpected dental costs arise, a dental loan may be an option to help you pay for the care you need.

Why should I choose OneMain for my dental loan?

You deserve a healthy smile and loan terms that are straightforward and reliable. With clear terms and fixed, predictable payments, our dental loans ensure you can focus on your dental care without financial surprises.

As a OneMain customer, you’ll also have access to financial tools beyond your loan: budget-building resources, free credit score tracking and savings tools to grow your money know-how and help you reach your goals — including orthodontics.

Whether it’s braces for you or your kids, implants or dentures, we’re here to help you smile with confidence at every stage of your journey.

See how you can stretch your budget with a personal loan

Whether you need to cover car repairs, vet visits, dream getaways, or just want to breathe a little easier with debt consolidation, our personal loans are built to fit your needs.3,4

Man sitting in drivers seat of car smiling with salesperson standing in open door
Auto purchase loans
Middle aged couple hugging outside of home near the front steps
Debt consolidation
A man and woman holding blue buckets to catch water leaking from ceiling
Emergency loans
Man and woman driving in a older two seat convertible while the woman holds her hands up enjoying the ride
Auto refinance loans
A doctor sitting down with a male patient in a medical office going over the patients chart
Medical loans
Man and woman leaning on a blue car on a nice day next to a body of water with hills in the background
Cash out refinance
Man and a Woman working together on a home improvement project laying floor tiles
Home improvement
An adult helping a child take a box out of a moving truck
Moving loans
A newly married couple embracing each other and dancing at their wedding
Wedding loans
A man with protective eyewear stands under a raised car to perform maintenance on it while another man talks with a customer in the background
Auto repair loans
A man in the pool with his arms out ready to catch his daughter jumping into the pool
Pool loans
A family of four walking on the beach while the man carries a child on his shoulders and the woman holds hands with a child
Vacation loans
A woman fixing a raised motorcycle
Motorcycle loans
'Two women smiling and enjoying themselves while setting up camp around their RV
RV loans
Two men riding a smaller boat on a lake with mountains in the background
Boat loans
flowers
Funeral loans
Check for offers

This won’t affect your credit score.

Customers have relied on OneMain for over 100 years

Here are some of our favorite shoutouts.5

trustpilot-logo

Need more info on dental loans? You've come to the right place:

A father and daughter sharing a joyful moment

How to Finance Dental Work

Read More
An elderly man in a wheelchair drinking coffee while working on a laptop at home.

Do Medical Bills Affect Your Credit?

Read More
Image description unavailable

7 Ways to Negotiate Medical Bills

Read More

Answers to common customer questions

Dental loans with OneMain are personal loans, which means that they can be either secured or unsecured.

A secured loan requires that you provide collateral, like a motor vehicle. An unsecured debt consolidation loan doesn’t require any collateral from you.

If you do not have insurance or your insurance does not cover certain costs, a loan through OneMain may help pay for dental expenses. You can use these loans to fund any of your dental costs, even cosmetic ones. If approved, loan amounts range from $1,500 to $20,000 and can vary by state and your personal financial situation.1

Your minimum and maximum loan amount, and actual loan terms, depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral).

A OneMain dental loan can be used to help finance any dental procedure. Here are just a few examples:

  • Whitening
  • Veneers
  • Implants
  • Crowns and bridges
  • Child and adult braces
  • Dental emergencies

While this list is not exhaustive by any means, dental loans are a way for borrowers to pay for procedures they want or need. Some treatments can run thousands of dollars, so having a loan can help make this more manageable.

We work with a wide range of credit scores and take your whole financial picture into account to find a loan that’s right for you.

If you’re concerned about whether or not you can get dental financing, using collateral may improve your chances of getting approved. It could even give you access to a lower interest rate, lower monthly payments or a larger loan amount. And once approved, it can also be a great tool to help you build credit history. It’s important to note that if a borrower defaults on a secured loan, the lender has the right to take the collateral.

Still wondering if a dental loan from OneMain is right for your situation? We can help. Just call us at 844-859-5091.

Here are a few things that affect your eligibility:

  • Financial history
  • Credit history
  • Income and expenses
  • Loan purpose
  • Whether you have filed for bankruptcy
  • State of residence

Before you close your loan, OneMain will need the following documentation from you:

  • Proof of identity (such as a driver’s license, state-issued ID card, passport, or available third-party verification service)
  • Proof of residence (such as driver’s license with current address, utility bill or signed lease)
  • Proof of income (pay stubs or tax returns)

We may ask for more info based on your unique situation.

Take the next step and start your loan application today.

More questions? Check out more FAQs.