What you can finance
Most dental insurance plans cap annual benefits at around $1,500, leaving many patients to cover major work out of pocket. Common procedures financed with Denefits include:
| Service | Typical cost | Fits Denefits range? |
|---|---|---|
| Dental implant (single) | $3,000 – $5,000 | Yes |
| Root canal + crown | $1,500 – $3,000 | Yes |
| Crown | $1,000 – $2,000 | Yes |
| Dentures (full set) | $1,500 – $4,000 | Yes |
| Wisdom teeth removal | $800 – $2,500 | Yes |
| Deep cleaning (scaling) | $500 – $1,200 | Yes |
| Veneers (per tooth) | $900 – $2,500 | Yes |
Typical U.S. price ranges; your provider’s quote may differ. Plans cover $200 to $5,000; a down payment can cover any amount above that.
How dental financing with Denefits works
- Get your quote from your provider and decide how much to finance.
- Apply online in about 3 minutes with no credit check.
- Get a decision in minutes; 95% of applicants are approved.
- Start your service once your plan is active, often the same day.
- Pay monthly by automatic ACH, with no prepayment penalty.
Example monthly payments
Estimates exclude the 3.00% per-payment transaction fee. Run your own numbers with the loan calculator.
| Example | No-Fee (0%) | EZ Deferred | Standard (19.90%) |
|---|---|---|---|
| Root canal · $1,800 · 12 mo | $150/mo | $150 → $161/mo | $167/mo |
| Dental implant · $3,000 · 24 mo | $125/mo | $125 → $146/mo | $153/mo |
| Dentures · $4,000 · 36 mo | $111/mo | $111 → $141/mo | $148/mo |
Why choose Denefits for dental financing
No credit check
Approval doesn’t depend on your credit score, so a past denial elsewhere doesn’t matter.
0% options
The No-Fee Plan has no interest, and the EZ plan is 0% for three months.
Same-day treatment
Approval in minutes means many patients start treatment at the same visit.
Tips before you finance
- Ask your dentist whether they offer the No-Fee Plan, the most affordable option.
- Use insurance first, then finance only the remaining balance.
- Phased treatment plans can be financed in stages to keep payments low.
- If you choose the EZ plan, aim to pay in full within the deferred window.
Compare your options: see Denefits vs CareCredit, Denefits vs Cherry, and every rate and fee.
Jonathan has 14+ years in consumer finance, including seven years structuring healthcare payment solutions. He holds the CERTIFIED FINANCIAL PLANNER™ certification and reviews every rate, term, and disclosure we publish.