Dental implant financing
Most people pay for implants with a mix of insurance, savings, a medical credit card, a loan or a payment plan from the practice.
- CareCredit no-interest promotions
- 6 to 24 months if paid in full
- Standard CareCredit APR
- 32.99% for new accounts
- Personal loan average
- APR700 credit score, 12.36%
A worked example: $4,500 sits in the middle of the one-tooth range. At CareCredit's published 20.90% APR, that's about $121 a month over 60 months, plus $2,760 in interest. Spread the same sum across 36 months at 18.90% and the payment is $165 a month. Source: CareCredit on promotional financing, pulled November 1, 2026.
Comparing payment options
| Way to pay | What it offers | Watch for |
|---|---|---|
| Dental insurance | Under a common dental plan design, preventive care is covered at 100%, basic care at 80%, and implants and other major work at 50%. Most dental plans set a yearly cap somewhere between $1,000 and $2,000, and that cap resets each benefit year. | Most insurers add a waiting period of 6 or 12 months after you enroll, so major procedures are covered only later. |
 CareCredit | Purchases of $200 or more qualify for CareCredit no-interest-if-paid-in-full promotions lasting 6, 12, 18 or 24 months. CareCredit's fixed-payment plans run 24 months at 17.90% APR, or 36 months at 18.90% APR, for purchases of $1,000 or more. | Under deferred interest, interest builds starting on the purchase date. If you don't clear the balance by the deadline, all of the interest is charged. At 32.99%, CareCredit's standard purchase APR applies to new accounts when a promotion isn't paid off. |
| Personal loan | According to Bankrate, the average personal loan rate is 12.36% for a borrower with a 700 FICO score. | Before you sign, compare the APR and any fees. |
| Payment plan at the practice | In-house installment plans are offered by many practices, and you can also use CareCredit, HSA or FSA money, or a dental school program. | Before you sign, compare the APR and any fees. |
| HSA, FSA or a tax deduction | IRS Publication 502 lets you treat what you spend on artificial teeth as a medical expense (implants aren't named specifically). | Your adjusted gross income sets the 7.5% threshold, and only medical and dental costs above that limit can be deducted. |
| Dental school clinic | CareCredit notes that prices at dental schools may run about 60-70% below what regular dental offices charge. | At dental school clinics, patients are treated by supervised students at reduced cost. |