Due to the fact that new teeth are usually very expensive, many people do not need an urgent visit to the dentist. However, anyone who asks for more detailed information on this topic will quickly notice that there are certainly ways to finance implants, bridges or prostheses. In addition to taking out private dental supplementary insurance, one should think primarily of a loan for new teeth.
Credit from the dentist
Many dentists have recognized the situation of their patients and are offering a loan for new teeth. However, it would be important to know that the dentists do not act as lenders themselves, but rather work with suitable partner banks. If you need new teeth and see no other option, you should not be afraid to ask the dentist for a loan. The dentist will conduct a detailed consultation and try to find a solution together with the patient. The requirements for a loan from the dentist are very different. In general, however, the patient could assume that he needs positive Credit Bureau information and a regular income.
In particular, if there is a long-standing relationship of trust between the dentist and his patient, the dentist can also make certain exceptions and make lending less stringent than is normally the case. If the requirements are met, a credit agreement is concluded between the bank and the patient. The credit for new teeth is earmarked and may only be used for the intended treatment at the dentist. Then it must be repaid in installments.
Loans from the bank
Anyone who decides against a dentist loan for some reason and prefers a bank loan can take out a normal installment or consumer loan and use this loan as a loan for new teeth. However, it would be very important to compare the conditions of different banks with each other and not just rely on the offers of the house bank.
The main comparison criteria are the amount of the loan, the interest, the terms and the monthly repayment rates. Once the right loan has been found, it can be applied for in the bank branch or on the Internet. The credit application is usually checked very quickly, so that the customer can have his money within a few days. Of course, this only applies if he meets all the credit requirements and the loan application can be approved.
Installment payment at the dentist
If you see no way to take out a loan for new teeth, you can confidently contact your dentist, describe the situation and ask for a delay in payment or payment in installments. However, this presupposes that there is a good relationship of trust between the dentist and his patient. If the dentist has had good experiences with his patient, he will usually approve the installment payment without any problems. Once made, this installment payment agreement should be adhered to in any case.