Dental Implants with Low Monthly Payments
When a tooth or teeth fall out, need to be removed or are knocked out, it is extremely important to have them replaced as soon as possible. If you do not get implants, you face a variety of health risks—along with cosmetic ones.
When you are considering a tooth replacement, you’ll find that there are different options that may be available to you. While they all have their benefits and drawbacks, one option that you’ll want to strongly consider are dental implants.
What Are Dental Implants?
Dental implants are replacement prosthetics for a missing tooth or teeth. With dental implants, an artificial crown is attached to a rod that is placed in the jawbone. When the jawbone heals, it keeps the rod secure—giving the strength and appearance of a natural tooth. There are different options when it comes to dental implants, and you’ll want to consider what is right for your needs and budget.
Why Get Dental Implants?
Before considering the price of implants and how you can best afford them, you’ll want to consider the different advantages of dental implants. Below are some of the reasons that you should consider dental implants.
- Cosmetic Appearance. No one likes to smile in the mirror and see a big gap in between their teeth. While all replacement options will look better than no replacement at all, some options look better than others. Dental implants can look very natural, and people may not even realize they are there!
- Jawbone Health. Something that a lot of people don’t consider when it comes to having a missing tooth is the damage it can do to your jawbone. Over time, your jawbone can begin to lose its integrity—and it can affect your overall appearance.
- Your Overall Oral Health. Along with damage to your jawbone, there may be damage to your surrounding teeth. Teeth can migrate over time when a tooth is missing, causing the impacting of surrounding teeth. This can, in turn, damage those teeth. It can also make oral care more difficult—leading to other oral health issues in the future.
- Cosmetic Appearance. It’s no secret that smiles look better when they are full. Dental implants can give you back your full smile—allowing you to smile with confidence.
- Boost in Self-Confidence. Speaking of self-confidence, having a complete smile can give you a boost in your overall confidence. This, in turn, can improve your overall mood. Smiling is important for your mood and mental health. Dental implants will give you the confidence you need to smile bright.
- Long-term Benefits. Because of all of the damage that can be caused without a tooth replacement, dental implants can actually end up being a cheaper option in the long run. They can save you a ton of trips to the dentist, and money on additional procedures.
Dental Implant Payment Options
Now that you know why dental implants are a great option, let’s take a look at the costs.
Dental implants can often range between $1,500 and $3,000. While they can save you a lot of money in the long-term, this price can be difficult for some patients to pay. Because of this, you may need to consider financing options.
Below are a few different payment options that may be able to help you to better afford your dental implants:
- Personal Loan. A personal loan is an option that may be available if you have poor or mediocre credit. There are both secured and unsecured loans—which involve different forms of collection for defaulting. A secured loan involves the use of collateral, like real estate or a vehicle. If the loan is not paid, the loanee may face a repossession. An unsecured loan, on the other hand, does not require collateral. Instead, a collections agency is used to retrieve the money. While this may be an option, for people with bad credit it is less likely.
- Subprime Lender Financing. A subprime lender financing loan involves a lender looking past your credit score and more into your employment history, income and other factors. This allows them to get a better idea of the investment risk without just going off of a credit score. Keep in mind, though, that subprime loans often have very high interest rates (as you are a higher risk than other borrowers). Subprime loans aren’t ideal, but if a subprime loan is your only option you may need to consider it.
- Pay-Over-Time Plans. There are certain companies that allow you to pay over time, lessening the financial burden. Installments can then be made after a down payment. You may also consider asking your dentist if this is an option through their office. While for some offices they will require a full payment at once, you can speak with your dentist’s office to see if a payment plan is available (most likely with a down payment).
- Ask Friends or Family. While this may be a last resort, you may want to consider asking a friend or family member for a loan. You can put together a payment plan with them. Just make sure to pay them back! Obviously, this isn’t an option for everyone, but for those that have a friend or family member with the resources it may be a consideration.
Keep in mind that a tooth replacement is a serious necessity. Even if you need to take out a loan to pay for it, it will be worth it in the long run. You don’t want the costs to compound because you waited too long on the placement of a dental implant!
Speak with Your Dentist
Deciding which tooth replacement is best is a decision that will need to be made between your dentist and you. If you have a tooth that is damaged or lost, set an appointment with your dentist for as soon as possible to mitigate additional risks. From there, you can discuss whether dental implants are the right choice for you, and what payment options may be available.