Tooth pain often comes up unexpectedly and doesn’t wait for a convenient moment. Many people delay treatment because of the high costs that are not covered by insurance. Over time, the problem can get worse, treatment can become more complex and expensive, and both your smile and your wallet may suffer.

If a dental clinic offers a credit card program or financing through third-party providers, this can be one option. However, many people prefer a fast loan with clear terms so they can get the treatment they need and move on without ongoing financial stress.

At 1F Cash Advance, we can help you finance dental procedures without postponing an appointment, even if you have bad credit.

Key Takeaways

  • Delaying dental treatment often leads to higher costs and more serious health issues
  • 1F Cash Advance offers multiple loan options based on treatment urgency and budget
  • Approval decisions are typically fast and use a soft credit check
  • Funds are paid directly to the borrower and are not tied to a specific clinic
  • Financing can be used for both emergency procedures and planned dental care

Dental Care Financing with 1F Cash Advance

Choosing a financing option for dental treatment involves more than just access to funds. Below are the key elements that define how 1F Cash Advance handles the lending process:

Fast Decisions when Timing Matters

The online form takes just a few minutes to complete. A decision is typically made within 15 minutes after submission, allowing you to access financing quickly and move forward.

Accessible for Different Credit Profiles

We consider applicants across a broad range of credit backgrounds. Funds are often available even for those whom other lenders have declined.

Clear Terms, No Surprises

All rates, fees, and repayment terms are disclosed upfront. The review process involves a soft credit inquiry and does not affect your credit score.

What Can You Cover with Dental Funding?

People use dental-related loans for all kinds of care. Common expenses include:

  • Exam, X-rays, and treatment planning.
  • Teeth cleaning and preventive visits.
  • Fillings, crowns, and gum treatment.
  • Root canal treatment and follow-up visits.
  • Tooth extraction, including wisdom teeth removal.
  • Implants, dentures, and bridges.
  • Clear aligners, retainers, and other orthodontic costs.

How Does 1F Cash Advance Work?

To get dental treatment financing with us, you only need to complete a few simple steps:

1

Apply online

Fill out a short form by providing basic information about yourself and your financial situation.

Apply Now
2

Review your offer

The underwriting process is fast and doesn’t affect your credit. If approved, you will see the terms immediately, with no hidden fees.

3

Receive your funds

After signing the agreement, the money may be deposited into your account the same day or the next business day, depending on your bank and the time of approval.

Who Can Qualify?

Qualification is straightforward. In general, you’ll need:

  • Be at least 18 years old
  • Have a valid government-issued ID
  • Provide a Social Security number
  • Show proof of income
  • Be a U.S. resident
  • Maintain an active checking account
  • Have a working phone number and email address

Man sitting during a dental visit with information about dental financing from 1F Cash Advance

Honest Feedback From People Who Applied

Here’s what customers say about their experience with 1F Cash Advance:

Funds were deposited as expected. The process was clear from start to finish.

Samuel D., St. Petersburg, FL 27 Jan, 2026

I knew the rates and fees upfront. That transparency made the decision easier.

Nicole A., Jersey City, NJ 23 Jan, 2026

The application took only a few minutes. I received a decision quickly.

Laura H., Scottsdale, AZ 15 Jan, 2026

The approval came through quickly. Thanks for giving me a second chance.

Mark T., Plano, TX 06 Jan, 2026

The online form was simple. I completed it on my phone in one sitting.

Tyler P., Henderson, NV 27 Dec, 2025

How to Pay for Dental Costs: Our Financing Options

The right financing option depends on how urgent the treatment is and how quickly you plan to repay the debt. 1F Cash Advance offers several loan products that can cover both emergency dental expenses and everyday dental procedures: 

Payday Loans

Short-term payday loans are usually issued for amounts from $100 to $1,000. They are approved instantly, which is why they are often used by people with poor credit. The money must be repaid in a single payment on your next payday, usually within 14–31 days. This option is suitable when urgent dental treatment is needed, delaying it is not possible, and you can repay the entire amount at once.

Installment Loans

Installment loans are usually offered in amounts from $500 to $5,000. They allow you to split the cost of treatment into equal monthly payments, making it easier to manage. The repayment term ranges from 2 to 24 months. The interest rate usually starts at 16% but can reach 200% if your credit score is low. This option works well for planned dental procedures such as crowns, dentures, or gum treatment.

Personal Loans

Personal loans allow you to borrow up to $10,000 and give you a fairly long repayment period, from 3 to 60 months. Interest rates are usually 6–36%, depending on a borrower’s credit history. Such loans are often used for major dental procedures, such as implants, full-mouth restorations, or treatments that require several visits. This is a convenient way to cover significant expenses and pay them off gradually with small payments.

Paying Dental Bills with Personal Loans vs. Dental Credit Cards

Today, borrowers often face a choice: use a dental credit card or take out a personal loan. The first option has become popular largely because it is convenient to apply for one directly at the dental clinic.

A credit card is a revolving line of credit that you can use again as long as it remains open. A personal loan from 1F Cash Advance, on the other hand, is issued for a fixed amount and has a clear repayment schedule. Here is how these two options differ in practice:

Category Personal Loans Dental Credit Cards
Typical APR 6%–36% (depends on credit profile) Often 26%–33% after promos
Promotional periods No promos, fixed terms from day 1 6–24 months deferred interest
Repayment structure Fixed monthly payments Revolving balance, minimum payments
Repayment term 3–60 months No fixed term
Borrowing amount Typically $1,000–$10,000 Limit varies by card and provider
Interest risk None beyond the agreed APR Retroactive interest increases if the balance is not paid off during the promo period
Where funds can be used Any dental provider Only participating clinics
Best for Larger or multi-step treatment plans Short-term use when promo payoff is certain

Why Choose 1F Cash Advance

1F Cash Advance goes beyond basic lending by offering a more flexible and borrower-focused experience:

Simple, Guided Application Process

The application follows a clear, logical process that is easy to navigate, even for someone with no prior loan experience. Each step explains what information is needed and why it is requested.

No Pressure to Commit

Reviewing loan offers does not obligate you to accept them. Patients can compare terms, go over the details at their own pace, and move forward only if the option truly fits their situation.

Flexible Options Based on Your Needs

1F Cash Advance does not limit patients to just one loan option. Instead, we offer several ways to borrow to meet your unique needs. This makes it easier to pick what fits based on how urgent the care is, how much you need, and a repayment schedule that feels comfortable.

Financing beyond the Dental Office

Financing from 1F Cash Advance does not limit you to a specific dental clinic. The funds are sent directly to you, so you can decide which dentist to visit and when to get treatment. This gives you more freedom and lets you receive dental care where it is truly convenient for you.

FAQ

How much does a dentist appointment cost?

For a routine visit that includes an exam, cleaning, and X-rays, the national average is about $203, but it can range from roughly $50 to $350, depending on location and what’s included.

What is the cost of teeth cleaning without insurance?

A basic routine cleaning without insurance typically runs about $75 to $200 (often around $125), though prices vary by area and clinic. If your visit includes an exam and X-rays, the total is usually higher than the cost of the cleaning alone.

What is dental financing, and how does it work?

Dental financing is a way to spread the cost of dental treatment over time rather than paying it all upfront out of pocket. Depending on your needs, this may include medical credit cards, short-term loans, installment loans, or personal loans. At 1F Cash Advance, you can choose the option that best fits your situation.

How much can I borrow with 1F Cash Advance to cover the cost of dental work?

The amount you can borrow depends on the type of dental loan you choose. Payday loans are typically available for amounts up to $1,000, installment loans can go up to $5,000, and personal loans may be available for amounts up to $10,000, depending on eligibility and lender terms.

How fast will the funds be deposited into my account after approval?

If your application is approved and completed before 10:30 a.m. local time, funds may be deposited the same day. Applications approved later, on weekends, or on holidays are usually processed the next business day. Funding times can vary based on how quickly your bank processes the deposit, so same-day funding is not guaranteed.

Can I qualify for dental financing with bad credit or limited credit history?

Yes, qualifying is possible even if you don’t have great credit or you’re still building it. 1F Cash Advance uses a soft inquiry, and decisions are based primarily on income and overall financial information. A poor credit history does not automatically result in a denial.

Is a down payment required to get approved?

1F Cash Advance does not charge fees to review or approve your application. Approval is based solely on your personal and financial details. If a lender asks for payment in exchange for approval, this is often a sign of a scam.

Are there any fees I should know about before applying?

Loans may involve origination fees of up to 10%, late fees, and prepayment penalties, depending on the terms of your particular loan agreement. All the conditions will be clearly outlined in the loan documents beforehand so that you can review everything carefully. There are hidden charges or annual fees when you work with us.

What happens if I don’t make a payment on time?

Late or missed payments can lead to extra fees and higher overall costs. If repayment stops completely, your credit history may be affected. If you expect any issues, it’s best to contact your lender as early as possible. Many loan providers are open to discussing options when borrowers reach out in advance.

Will applying affect my credit score?

No. 1F Cash Advance does not conduct a hard credit check, so applying for dental financing will not affect your credit score.

How is 1F Cash Advance different from dental credit cards?

Personal loans for dental work from 1F Cash Advance offer a fixed loan amount and a clear repayment schedule from the start. Dental credit cards, on the other hand, are revolving credit and may include 0% APR promotional periods. However, this can lead to high interest if balances are not paid off during this period. Loans offer more predictable payment plans and are not limited to participating dental providers.

Can I qualify if I don’t have dental insurance?

Yes, you can apply and get approved even without dental insurance. Having it may help reduce your expenses, since you need to borrow a smaller amount.