Dental finance with bad credit
Dental finance with bad credit: your honest options
A rough patch in your credit history should not mean living with teeth that hurt or that you hide. Chrysalis Finance works with dental practices across the UK, and every application starts with a soft search, so you can see where you stand without your credit score being touched. Here is how it works.
Healthcare finance specialists with over 15 years’ experience.
What dental work costs, and how finance spreads it
As a UK guide, a dental implant typically costs £1,500 to £3,000, a full set of implants considerably more, braces and aligners £1,500 to £5,000, and crowns or root canal work several hundred pounds per tooth. Prices vary by practice and by case, so the treatment plan your dentist quotes is the figure that matters.
Finance spreads that quoted figure into fixed monthly payments over a term of 3 months to 5 years. You apply for exactly what the treatment costs, and you know every payment before you commit to anything.
Dental treatments you can finance with imperfect credit
The soft search on this page applies to whatever your dentist quotes, from a single filling to a full arch of implants. Nothing about the treatment you choose changes how your application is assessed. What does change is the size of the bill, so the guides below set out what each type of dental work typically costs in the UK, and how it is usually staged and paid for.
£1,500 – £18,000
A single implant typically costs £1,500 to £3,000 including the crown that sits on top, an implant-supported bridge £4,000 to £8,000, and full mouth treatment £6,000 to £18,000 depending on the system used. Implant work is staged over several months, so most people arrange the finance once at the start and let the payments run alongside the treatment.
£1,500 – £10,000
Fixed metal braces usually cost £1,500 to £3,500, ceramic braces £2,000 to £4,500, clear aligners such as Invisalign £1,500 to £5,000, and lingual braces, fitted behind the teeth, £5,000 to £10,000. Treatment normally runs 12 to 24 months, so many patients pick a term that finishes around the time the braces come off.
£150 – £8,000
Composite bonding typically costs £150 to £400 per tooth, composite veneers £200 to £500 and porcelain veneers £400 to £1,000 per tooth, with professional whitening £250 to £700. A smile makeover treating six to ten teeth therefore lands anywhere from around £1,500 to £8,000, which is why the per-tooth price matters more than the headline.
£500 – £14,000
A partial denture generally costs £500 to £1,500 and a full set £1,000 to £2,500, while implant-retained dentures run £4,000 to £14,000 depending on how many implants are placed to hold them. Materials and the number of fitting appointments make most of the difference between two quotes.
Worth reading first
If you have been searching for plans that skip the credit check, it is worth understanding what those arrangements usually are, what a soft search does and does not show other lenders, and what a regulated agreement gives you that an informal in-practice arrangement does not.
Agree the priceYour dentist examines you and quotes one exact figure for the treatment plan, in writing.
Soft search firstYou see your likelihood of acceptance without any mark on your credit file that other lenders can see.
An affordability decisionThe lender weighs what you can comfortably afford now, not only what your history says about the past.
Prices here are typical private UK ranges gathered to help you plan, not quotes. Your dentist prices your own treatment plan after examining you and confirms it in writing before any finance is arranged.
Finance options when your credit history is imperfect
Your practice chooses which plans it offers from the Chrysalis range. Many offer interest free options, where you repay exactly the price of your treatment, and interest bearing plans over longer terms where a smaller monthly payment matters more. Terms run from 3 months to 5 years.
Affordability comes first. Before you apply, be honest with yourself about what you can comfortably repay each month, and pick the term that fits that number. A longer term with a lower payment you can always meet beats a shorter one that leaves you stretched.
Can you get dental finance with bad credit?
You can apply, and the soft search will show your likelihood of acceptance before anything visible appears on your credit file. Acceptance is never promised to anyone, but a missed payment or an old default does not automatically rule you out: lenders weigh your income, your outgoings and how you have handled money recently, not just the worst entry on your file.
If your search history includes phrases like teeth on finance with bad credit, know that checking costs you nothing here. The soft search leaves no mark other lenders can see, whatever the answer. Because the plans available depend on which clinic is treating you, contact us for eligibility once you know where you are being treated and we will confirm what is open to you.
Getting started is simple
Applying takes under 60 seconds through your clinic or practice, and a soft search shows your likelihood of acceptance before anything touches your credit score.
01
Agree your plan
Agree your treatment plan and price with your dentist, so you know the exact amount you need.
02
Apply in 60 seconds
Complete the Chrysalis application, which takes under 60 seconds, starting with the soft search.
03
Treatment goes ahead
Once accepted, your practice books your treatment and is paid directly. You repay monthly.
04
Repay monthly
You repay in fixed monthly instalments over the term you chose, from 3 months to 5 years.
Find a practice near you
Enter your postcode to see the three practices nearest to you that offer treatment with Chrysalis Finance.
