The best Canadian dental loan is one that best suits your needs. Even if you have a dental plan through your employer, it may not cover a procedure that you would like.

Unfortunately, dental isn’t covered under our healthcare either. If you are without dental insurance, the only option is to fund procedures yourself.

As we’re sure you already know, dental work is very costly. If you need multiple treatments or you’re paying for the family’s dental work, it costs even more. Considering the high prices, it simply doesn’t make sense to put such large amounts on a credit card.

While a credit card does allow you to make payments, you will also pay compound interest. Basically, you’re charged interest on your outstanding balance and then charged interest again on whatever remains after you make your payment. That doesn’t make sound economic sense.

Luckily, you have another option – a Canadian dental loan.

What is a Canadian Dental Loan?

A Canadian dental loan is an installment loan tailored specifically for this purpose. It offers regular monthly payments, a fixed interest rate, and flexible repayment options. This product differs from a credit card in many ways.

First, you always know how much you need to pay and when. That amount never varies. Second, every payment reduces the balance outstanding. This isn’t always the case with a credit card, because minimum payments may only pay interest. Third, you decide when it is most convenient for you to make payments. You’re not stuck with the payment due date of the credit card company.

Finally, you know precisely when you’ll finish paying off your Canadian dental loan, providing you stick to your repayment schedule. Of course, if you want to pay your loan off early or knock down the balance through extra payments, you can.

I Couldn’t Get a Loan for Dental Work Through a Bank

Traditional lenders may not view dental work as a valid reason for borrowing money, especially if it is a cosmetic treatment. Additionally, some people aren’t in a position to borrow from the big banks or credit unions. Luckily, you still have options. Don’t get bogged down by the myths.

A Canadian dental loan can provide you with the funds you need for dental care, even if it is cosmetic. Alternative lenders are more focused on your ability to repay, than the specific dental procedures you want to pay for.

These lenders tend to place less emphasis on your credit. They will review your financial position, but they include many factors. This can mean that you could qualify, even if you were turned down through a bank or credit union.

What Procedures Can I Fund?

As mentioned, a Canadian dental loan can fund cosmetic and regular dental treatments, which can both be very costly. Our clients have borrowed for the following dental procedures:

Regular Cleaning & Examination

Getting your teeth cleaned, a dental examination, and x-rays alone can cost hundreds of dollars. If you’re paying for the entire family, that amount increase exponentially. Plus, you must pay all this before the dentist performs any corrective or preventative work.

Root Canal

Your dentist tells you that you need a root canal on that painful tooth. It’s your only option, except for an extraction. You agree and discover the root canal will cost you around $1,000. However, there’s no guarantee it will solve the problem.

Tooth Removal or Filling

Your tooth reinfects and the dentist tells you it has to come out. Your children also have two large cavities. Suddenly, you’re looking at an extra $700 for the fillings and around $200 for the tooth extraction. That’s on top of the cleaning, exam, x-rays, and root canal.

You’re now moving towards $3,000 and you haven’t addressed the gaping hole in your mouth after the tooth removal either.

Implant or Bridge

The options available for your missing tooth include an implant or a bridge. You don’t like the idea of fussing with a bridge, so you decide on an implant. You can anticipate paying around $1,500 if the procedure goes off without complications. If problems develop, you could pay as much as $5,000.


If you have damaged or missing teeth, your dentist may recommend dentures. Depending of the type, you can expect to pay between $1,500 and $3,000. If you want immediate dentures until your permanent set is ready, you’ll pay even more.

Cosmetic Treatments

Some treatments can improve your appearance and improve the condition or function of your teeth. These include crowns, bonding, veneers, orthodontic devices, teeth whitening, and more.

Even though these procedures can have the most positive influence on your appearance and your life, they are normally the most expensive. You can easily face a dental bill in the tens of thousands of dollars when you opt for one of these procedures. Nonetheless, they can be life changing and completely worthwhile.

Don’t Apply In-Person

The best Canadian dental loan doesn’t involve making an appointment or taking time out of your busy day to visit an office. Your can conduct the entire process online.

Online application forms are usually much simpler and less complicated than those through traditional lenders. They will ask you for identifying information and basic facts such as your place of employment and your monthly salary. However, they won’t ask you to provide them with proof of income. Here’s why.

Online lenders rely on fully-automated systems. Income verification occurs digitally through your bank. The lender requests statements confirming your salary, but can’t peer into your personal business or access your banking. Everything happens quickly, discretely, and safely.

Online Lenders Are Faster

Most people don’t have time they can afford to waste. That’s why online lenders are so attractive. You don’t go to an office, the application process is simpler, and you don’t need to provide proof of income.

However, a Canadian dental loan through an online lender can be a gamechanger for other reasons. You won’t wait for days while the lender reviews your application. You can usually expect a decision within minutes.

If you’re approved, you can agree to the terms, sign your loan documents digitally, and see the funds in your bank account within 24 hours. There’s no way a traditional lender can match that speed and convenience.

No Fees or Penalties

You might be surprised to discover that many mainstream lenders and some online lenders charge unnecessary fees and penalties.

For instance, some charge you an origination fee for setting up your account. Others charge you prepayment penalties should you decide to pay off your loan early or make extra payments.

Fortunately, the best Canadian dental loan has none of these fees or penalties. There’s absolutely no reason you should pay them – ever.

Great Choice of Repayment Terms

Besides being able to choose when you want to make payments, you should also be able to choose how long you want to take to pay your Canadian dental loan. A good lender often offers anywhere from one to five years.

This flexibility is important, because you will want to match your loan to your goals. If you want to pay down your debt quickly, you should be able to. If you want to spread the cost out over more payments, you should be able to do that too.

A Canadian Dental Loan Through FlexMoney

If a Canadian dental loan sounds like a good solution, FlexMoney is a trusted online lender that is here to help. Here’s what you can expect for us:

  • 100% online process
  • 100% Canadian company
  • Easy application process
  • No minimum credit score
  • No collateral
  • No co-signer
  • No proof of income
  • Artificial intelligence financial assessment
  • Soft credit check which does not impact your credit file
  • No hidden fees or penalties
  • Quick decision & funds release
  • Digital document signing
  • Repayment terms of up to 60 months
  • Loans available between $1,000 and $15,000
  • Multiple customer service options including 1-800 telephone number, email, and online support

Qualification Requirements

FlexMoney’s qualification requirements are straightforward. We believe you should know what we expect, so you don’t waste your valuable time:

  • Canadian citizen
  • Minimum 20 years old
  • Actively working with the same employer for at least three months
  • Earning at least $2,000 per month for at least 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.

Find Out More

If you’re interested in exploring a Canadian dental loan through FlexMoney or you have more questions, please visit our website. We take the hassle out of dental loans so you can look and feel your best.