How to Finance Your Tooth Bonding Procedure

May 7th 2016

Financing an expensive dental procedure may take some creativity, but there are plenty of options. Your dentist may be able to make suggestions and help you with your decision.


Tooth bonding is often done as a purely cosmetic procedure, which most insurance plans do not cover. However, it is always worth checking because some better plans may at least help offset the cost. This may be more likely if you need restorative tooth bonding, which is used to fix discolored old fillers, chips or other physical damage. If you have a health savings account or similar flexible account, you may be able to use that account to pay for tooth bonding even if your health insurance does not cover it.

Payment Plans

Many dentists offer payment plans, which allow you to pay for your procedure over time. The terms of these vary depending on the dental office. Some may charge interest, and many require a significant down payment. Talk to your dentist before the procedure to determine your options.


CareCredit is a special credit card that can only be used for medical expenses. You can use it for any dental procedures, including cosmetic tooth bonding. It is similar to other credit cards in that you must have decent credit to get it, and your credit score may determine how big of a balance you are allowed to maintain. It is not accepted by all dentists, so check with your provider before planning to use it. You can choose between several payment plans and can keep the line of credit open for future procedures.

Dental Loans

Many companies offer loans for medical procedures. These are also subject to credit approval, but lenders may be more willing to work with people with lower credit scores since it is a one-time loan. You may also be able to use the loan at more dental offices, giving you more flexibility to choose the provider you want. However, the loan may have a higher interest rate, and some companies may charge processing fees that can add to the total cost.

Credit Cards

You may also want to consider using a normal credit card to pay for your tooth-bonding procedure, especially if you have good credit. You may be able to get a lower interest rate or open a new credit card with a no-interest introductory offer. Make sure you understand how opening new lines of credit can affect your total credit score before choosing this option.


Tooth bonding is becoming a common procedure. The process involves adding a white filling to one or more teeth, which can brighten your smile, and in some cases, may make your teeth stronger. Small procedures on only one tooth may cost as little as $100, but more extensive procedures may be several thousand dollars. There are a variety of financing and payment options available to help you pay for the procedure.

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