Dental loans

Dental financing

From covering emergency surgery to cosmetic care, personal loans through Prosper can take the stress out of dental financing.
Checking your rate will not affect your credit score
Asian family having fun at the garden

Why use a personal loan to finance dental care?

When insurance won’t cover your procedure, personal loans through Prosper offer a simple, flexible, and fast option to help cover dental surgery.

Checking your rate will not affect your credit score

Dental care can be expensive. Prosper can help.

Depending on the type of dental procedure you need, out of pocket expenses can add up quickly. You may want to consider financing rather than depleting your savings or using high-interest credit cards.

Getting a clearer picture of the various costs involved with dental surgery can help you evaluate your financial situation and whether dental financing might be right for you.

Surgical fees

The primary cost of dental surgery is the surgical fees. Costs are based on the type of procedure, the dental surgeon’s training, and the level of complexity. Your dentist’s office should provide an estimate of costs before your procedure.

Facility fees

If the procedure is performed outside of your provider’s normal office, such as in a specialized surgical facility, there may be fees for use of the operating room, equipment, and facility staff.

Number of treatments

If your dental surgery is part of a broader treatment plan that involves other dental procedures, don’t forget to consider the costs of these additional treatments in your budget.

Pre-operative expenses

Before any dental surgery or cosmetic procedure, your dentist may create a treatment plan which may include X-rays and consultations with specialists. These costs can add up quickly if not covered by insurance.

Recovery and post-operative expenses

Costs after surgery may include follow-up appointments and medications to manage pain and prevent infections. If you need to take unpaid time off work for your procedure, dental loans can help cover living expenses.

Laboratory costs

Certain dental surgeries, like dental implants or crowns, may require custom prosthetics. The costs for dental appliances can vary—get an estimate from your doctor so you can be sure your dental loan will cover everything.

Fast, flexible funding when you need it

Personal loans through Prosper give you the funding to get the dental care you need.
  • Get an offer fast: An easy online application process will let you know what you qualify for within minutes.
  • No rate hikes or payment increases: A simple payment schedule for a set term of 2-5 years¹ gives you peace of mind. There are no rate hikes or payment increases.
  • No prepayment penalties: Pay off your loan sooner if you wish—there’s no penalty for paying off early when you get financing through Prosper for your dental healthcare.
  • Fixed rates range from 8.99% to 35.99% APR¹: Prosper offers reasonable interest rates based on your credit history and unique financial situation, providing affordable funds.
  • Flexible usage: Funds go directly to you, allowing you to use them however you need. From your consultation to surgery costs, Prosper gives you the financial flexibility to handle your expenses.
  • Fast funding from $2,000-50,000¹: Funds from personal loans through Prosper are disbursed as quickly as the next business day² after approval, giving you access to the funds you need right away.

Checking your rate will not affect your credit score



To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.


What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.


1  For example, a three-year $10,000 personal loan would have an interest rate of 9.88% and a 6.99% origination fee for an annual percentage rate (APR) of 14.93% APR. You would receive $9,301 and make 36 scheduled monthly payments of $322.11. A five-year $10,000 personal loan would have an interest rate of 11.64% and a 7.99% origination fee with a 15.36% APR. You would receive $9,201 and make 60 scheduled monthly payments of $220.63. Origination fees vary between 1% and 7.99%. Personal loan APRs through Prosper range from 8.99% to 35.99%, with the lowest rates for the most creditworthy borrowers. Eligibility for personal loans up to $50,000 depends on the information provided by the applicant in the application form. Eligibility for personal loans is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All personal loans made by WebBank.


2 You may receive your funds one business day following your acceptance of the loan offer, completion of all necessary verification steps and final approval. One business day funding is also dependent on your bank’s ability to quickly process the transaction.


Prosper and WebBank take your privacy seriously.

Please see Prosper’s Privacy Policy and WebBank’s Privacy Policy for more details.