Unfortunately, dental treatment is often not only uncomfortable, but also very expensive. If patients value dentures that fit perfectly and are also a good visual solution, they usually have to pay most of the bill out of their own pockets.
Statutory health insurance companies generally only pay for the minimally medically necessary care. Patients do not always have savings that cover their treatment costs in full. You will then often be offered a loan from the dentist, but this is not always the best financing solution.
A loan from the dentist
Of course, it is very convenient to take out a loan directly from the dentist. It is a loan that is issued by a bank specifically for the financing of dentures and can be applied for in the dentist’s office. In this way, patients can save themselves the trouble of finding a suitable loan themselves and, if necessary, can also have members of the practice team help them fill out the form.
As with all other loans, a prerequisite for such a loan from the dentist is that the creditworthiness check is positive. The loan is then paid back in convenient monthly installments after the payment.
Other loans to finance dentures
In fact, no patient needs to take out a loan from the dentist. Because any consumer credit can also be used to finance the costs of dental treatment. Because with consumer loans there is no purpose limitation regarding the use of the loan.
Such installment loans can be taken out at banks and savings banks, but also from online banks on the Internet. You will often find loans with very low interest rates, which are highly recommended. If you only want to finance a smaller amount over a few weeks, you can easily use the overdraft facility for the current checking account.
Because the relatively high interest rates are hardly significant with such a short drawdown, this saves you all the formalities of a loan application.
Choosing the right loan
In order to find a suitable loan to finance the dentures, you should always get thorough information beforehand and not simply accept the loan offered by the dentist. There are numerous credit portals on the Internet where you can read how high the current market interest rates for comparable loans are.
Only if the interest rates on the loan from the dentist are not significantly higher can it be taken up without hesitation. Otherwise, it would be better to look for a consumer loan from another bank in order not to have to pay more than absolutely necessary for the loan.