Pay for dental expenses with a dental personal loan
Checking your rate is free and won’t impact your credit score.
Get $200 with Rewards Checking Plus
when you also open an account and direct deposit at least $1,000**Get $200 with Rewards Checking Plus
when you also open an account and direct deposit at least $1,000**A dental loan for when you need it most
Pay for your dental work expenses with dental loans that have affordable monthly payments.
Best Personal Loans
Personal loan reviews from our customers
”One of our high interest credit cards had gotten out of hand and was siphoning funds away from our savings goals. It was a responsible step for us to set up a personal loan that will be paid off in a set time period at much less interest. Because of Upgrade, I can now see our family living debt-free.”
It's quick and easy to apply for a personal loan online
Check your rate
Apply online in minutes and see your rate with no obligation or impact to your credit score.
Choose your personal loan*
Review multiple loan options and decide which offer is best.
Fast funding†
Accept your loan offer and you should get your money within a day of clearing necessary verifications.
Upgrade personal loans are flexible & customizable
Select an offer
Choose your monthly payment that won’t ever change and fits your budget.
Fixed Rate & Term
Pick terms that fit your timeline.
A simple breakdown of a personal loan
Get to know the rates, fees and your payback plan
If you're approved for a $10,000 loan with a 17.98% APR and 36-month term...
Your APR
The 17.98% APR includes:
Your money
You would get $9,500 deposited directly in your account
$10,000 —
$500 = $9,500
Your payments
And, each month you would pay back $343.33 over 36 months
Personal Loan FAQs
What is a dental loan?
Dental work can be expensive. Even if you have some of the best dental insurance coverage, dental expenses can add up with out-of-pocket costs that are not covered by your insurance.
A dental personal loan helps you pay for expensive dental work without having to pull from your bank account or pay upfront with cash. Dental personal loans through Upgrade are unsecured loans, meaning you aren’t required to back them up with collateral
Why should I get a dental loan?
If you’re uninsured or your health insurance doesn’t fully cover your bills, you’ll be responsible for the remainder. This could result in medical debt, which can add up quickly. So, how do you pay for something that’s important to you when the costs are high and your insurance doesn’t cover it? A medical personal loan can be a good way to relieve financial stress, pay your medical bills, and focus on what matters most - your health.
With Upgrade, you can quickly see your rate and how much you qualify for within minutes of filling out an application online. After you accept your loan offer, you can expect to get your money within 1 business day of clearing verifications.† Plus, with a personal loan you’ll have a low fixed rate and fixed monthly payments, so you know how much to budget each month and can circle the date on the calendar when the loan will be fully paid.
What can you use dental loans for?
Overall, you can use a dental loan for nearly any type of dental procedure, including:
- Preventive care: These services include regular oral exams, teeth cleanings, and routine X-rays
- Restorative care: This includes fillings, crowns, root canals, dental implants, dentures, and other procedures that focus on repairing or replacing teeth. This also includes emergency dental procedures, such as repair for gum disease, knocked-out teeth, and soft tissue injuries.
- Cosmetic care: This primarily includes non-essential services like teeth whitening, dental bonding, tooth and gum contouring, and dental veneers — though veneers are sometimes considered medically necessary.