Many people find they need a dental loan in Canada, because most oral health care is not included in the Canada Health Act.  If you don’t have private insurance, the only option is to pay for treatments and procedures yourself.

Unfortunately, even routine, general oral care can be quite costly. If you need extensive work, or you’re paying for more than one person, costs can skyrocket quickly. These costs can be too great to put on a credit card as interest rates can be too high and interest compounds. Payday loans have even higher interest rates.

If you’re not in a position to borrow from traditional lenders such as the big banks or credit unions, you do have other options. A dental loan in Canada could provide you with funds you need so you can get the dental care you want.

Here are just a few examples of procedures we could finance. However, we’re willing to consider any dental work, providing you meet our qualifications.

Cleanings & Examinations

Most dental offices will suggest a visit to the hygienist, before the dentist examines your teeth. This sounds pretty basic, but the cleaning alone could cost between $75 and $200, depending on how much tartar and plaque you have on your teeth.

Then there’s the cost of x-rays. Most dentists want to see two bitewing x-rays which cost between $35 and $50.

Finally, there’s the dentist’s examination and diagnosis. That will cost you between $35 and $70, depending on your province or territory. That’s a grand total of between $145 and $320 before you’ve even started to address any issues the dentist found. You can easily see how a dental loan in Canada could help in this situation.

Fillings & Removals

Now comes the fun part. You need two large fillings, because you haven’t visited the dentist in a while. You’re looking at between $325 and $375 each. You decide to pull the teeth instead, hoping it might cost less.

Surprise! A simple tooth extraction averages $160, but when there’s complications that could increase to as much as $250 per tooth. Even though this is significantly less than fillings, it is still a lot of money. Once again, a dental loan in Canada could ease the financial strain through equal, affordable payments.

Root Canals

What if your dentist tells you that you need a root canal to treat an inflamed, infected tooth? They’re routinely recommended as an option if you don’t want to lose your poor, painful tooth. You’re looking at a cost of between $900 and $1,200 for just one root canal. That smarts as much as your tooth.


Crowns, or caps, can be used to cover a large filling or to repair a broken tooth. They look natural and are often suggested to save your tooth and to keep your other teeth aligned.

Of course, they’re costly too. Expect to pay between $900 and $1,500 per tooth.

Bridges & Dentures

If one or some of your teeth are badly damaged or missing, your dentist may refer you to a specialist for either a bridge or dentures. Prices vary widely depending on the type. However, none of them are cheap.

Conventional dentures cost between $1,500 and $3,000. However, many people prefer immediate dentures since they retain their front teeth until they’re fitted with their permanent dentures. Immediate dentures don’t normally cost more, but they’re often replaced with permanent dentures later. Cha Ching – you’ll pay again.


Bonding can fix broken teeth and improve the appearance of healthy teeth too. If you have discoloured, chipped, cracked, or irregular teeth or too much space between them your dentist may suggest this cosmetic dental treatment.

Expect to pay between $200 and $400 per tooth to improve your smile. Bonding also wears down, so you may need touch ups later.


Veneers improve the appearance of your teeth, but it is a complex process with a hefty price tag. Expect to pay between $250 and $1,500 per tooth for composite resin veneers and porcelain veneers are even more expensive.


Crooked teeth can be unattractive, but also dysfunctional. It’s not surprising you may want to correct the problem. As a result, braces may not be optional. Unfortunately, they also cost between $5,000 and $10,000, depending on whether you want standard or invisible braces.

Other orthodontic devices can be equally expensive. Retainers, bite plates, head gear, expanders, and other dental appliances are custom fit, costly, and a strain on your budget.


Those who want to replace teeth, but don’t want to bother with dentures or bridges often prefer implants.  They are comfortable and look like natural teeth.

Not surprisingly, it is expensive to have new teeth embedded in your gums. Even if you have dental insurance, they cost more than other kinds of replacement teeth and usually aren’t covered. Consequently, if you want to go this route you should expect to pay between $1,000 and $5,000 per tooth.

Teeth Whitening

If your teeth seem yellow and dingy, teeth whitening could be the solution. However, this cosmetic treatment comes at a substantial cost. Laser dental whitening will cost you between $1,000 and $1,500 per treatment.

Get a Dental Loan in Canada

One thing is certain – dental work costs a bundle. As you have just read, even routine dental care can add up quickly. However, ignoring your teeth can cause even more problems and greater expense. Plus, there’s no reason to put off a procedure if you want to look better. These procedures certainly aren’t getting any cheaper.

A dental loan in Canada is a good solution if you can’t get a loan through a bank or a credit union. It simply doesn’t make sense to put a high amount on your credit card either. Interest charges will make it very difficult to pay off your debt.

Luckily, a dental loan in Canada allows you to divide the cost of your necessary and/or cosmetic procedures into small, manageable payments. Additionally, qualifying for a dental loan in Canada is much easier. You don’t need collateral or a co-signer and you don’t need to visit an office. The entire process is done online, quickly and efficiently.

Chances are if you have fair or good credit, you’ll also enjoy a decent interest rate too. However, it’s so simple to apply that it’s worth filling out an application even if your credit isn’t that good. You could still qualify. Here’s why.

A good lender uses artificial intelligence to assess your creditworthiness. That way they have a complete overview of your employment and finances. Yes, the process may involve a “soft” credit check, but it doesn’t appear on your credit file.

Definitely look for a lender that uses this pre-approval process. Even if you’re turned down, you’re free to apply elsewhere without negatively impacting your credit. “Hard” credit checks do appear on your credit file and too many can throw up a red flag on your report.

The other great thing about the pre-approval process is you get to see the interest rate, terms, and fine print so you make an informed decision. Read through the documents and if you like what you see, sign your loan documents digitally. If you’re not happy with what the lender offers, continue shopping.

The FlexMoney Advantage

Many lenders may offer you a dental loan in Canada, but FlexMoney offers many advantages that our competitors don’t. Here’s a list of some of the reasons you should consider FlexMoney first:

  • Online process from start to finish
  • Accessible 24/7 from any device
  • Don’t share data
  • Application process usually takes less than 15 minutes
  • Pre-approval process using artificial intelligence assessment
  • Soft credit check that does not appear on your credit file
  • Flexible payments options that align with your paydays
  • Repayment terms of up to 60 months
  • Loans available between $500 and $15,000
  • No origination fee to open an account
  • Accelerated payments, lumps sums, or full repayments without penalty (we accept e-transfers)
  • Discover whether you’re pre-approved in minutes
  • Fully transparent loan information
  • Quick funds release – only 24 hours until deposited in your bank account
  • Multiple customer service options including 1-800 telephone number, email, and online support

Our Requirements for a Dental Loan in Canada

FlexMoney is totally transparent. Here’s what we need from you and when we can’t help. We don’t believe in wasting your valuable time.

  • Canadian citizen who is at least 20 years old
  • Actively working with the same employer for at least three months
  • Earned at least $2,000 per month in the last three months
  • Have a mobile phone and email address
  • Presently have an open and active bank account with a Canadian financial institution showing at least three months of transaction and banking history.

Please do not apply if you are currently enrolled in an active bankruptcy, consumer proposal, or credit counselling program. Regrettably, we can’t consider your application if your income is based on Employment Insurance, the Disability Tax Credit, and government benefits related to COVID-19 either.

Have questions for us or want to start the application process? Visit our website.  Get your dental loan in Canada and the smile you deserve.