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Dental loans

Dental financing

Whether it’s emergency surgery or cosmetic care, financing through Prosper can alleviate the stress of dental expenses. 

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Why opt for financing through Prosper for dental care?

In cases where insurance doesn’t cover your procedure, choosing a loan through Prosper provides a straightforward, flexible, and prompt solution to assist with financing dental surgery costs.

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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.

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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.
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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.
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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.
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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.

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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.
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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.
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How will you Prosper?

A personal loan through Prosper helps you finance the things that matter most.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT.

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  Personal loans through Prosper have an annual percentage rate (“APR”) of 8.99% to 35.99%, terms between two and five years, and an origination fee from 1% to 9.99%. For example, a three-year $10,000 personal loan with an interest rate of 9.38% and a 9.99% origination fee results in a 16.74% APR. You would receive $9,001.00 and make 36 scheduled monthly payments of $319.77. A five-year $10,000 personal loan with an interest rate of 11.14% and a 9.99% origination fee results in a 15.84% APR. You would receive $9,001.00 and make 60 scheduled monthly payments of $218.12. Whether you are eligible for a specific APR or loan term will depend on a number of factors, including (but not limited to) your current credit rating and information you provide in your application. The lowest rates are for the most creditworthy applicants. Your actual rate may differ. The average APR for loans with a 3-year term funded between January 1, 2024, and July 31, 2024, was 24.79%.

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 transaction processing speed.

All personal loans made by WebBank.

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