How to Finance Medical and Dental Procedures Interest Free

If you are one of the millions of Americans without medical and/or dental insurance, or if the insurance you do have will not completely cover a particular procedure, you may want to consider trying to obtain interest-free financing to pay for your procedure.

Instructions

1

Speak to your doctor/dentist about whether his practice offers this option. Orthodontists, in particular, should allow you to break down the total charges into lower monthly interest-free payments as you or a family member receive ongoing treatment.

2

Inquire about third-party finance options, if your healthcare provider does not offer his own interest-free payment plan. Ask if his office has an agreement with any finance companies offering interest-free loans for medical or dental procedures. Some doctors will have forms on hand to apply for the loan or a website link for you to access.

3

Inquire of the credit card companies with whom you already do business. Explain that you need a loan for a medical or dental procedure and ask if any special finance options exist for this purpose. Some credit cards offer 12-, 18- or 24-month loans at zero or very low interest, so be on the lookout for these promotional offers.

4

Google "interest-free medical loans." You will find several sites to explore (see Resources).

5

Evaluate the credit offers you find and determine which would suit your needs. Be sure you can comfortably make the required payments on time. This is the key to truly getting the benefits of an interest-free medical or dental procedure loan.