Can I Use US Financing for Dental Implants in Mexico? Everything You Need to Know

Dental implants are one of the most expensive procedures in dentistry. According to Forbes Health, a single dental implant can cost $3,100–$5,800. Additionally, full mouth dental implants are at $60,000 to $90,000.

Even with the 50–70% cost difference that Mexico dental tourism gives, it’s still financially challenging. Many patients like you wonder if US financing options are available in Mexico.

In this article, we will explore many questions surrounding the use of US financing in Mexico. After reading this, you’ll be able to make an informed decision about financing your dental treatments done in Mexico.

Why should I choose financing to pay for my dental work?

Applying for dental financing gives you many benefits. Let’s go over some of them.

#1. You can get dental treatment right sooner: You get access to the treatment even without immediate personal funds available. No need to wait and save for months or years for the cost of the treatment.

#2. You pay less upfront costs: The financed amount can cover a part of or the entire treatment cost. Regardless, you don’t need to make big upfront payments for the procedures.

#3. You get to spread the cost through monthly payments: Your repayment can be up to 60 months. This depends on your financing company. You get the chance to plan your finances for your repayment.

#4. You can get dental procedures not covered by your insurance plans: Dental loans can help you pay for expenses not covered by insurance. This saves you more out-of-pocket costs.

#5. You can improve your credit score: Paying on time, having different types of credit, and using less of your available credit can gradually improve your credit profile. Remember to borrow sensibly and make payments comfortably to maintain good credit.

Plus, it’s also easy to apply for.

Is dental financing available in Mexico?

Dental financing companies like CareCredit or LendingClub are not available in Mexico. Their services are exclusive to US treatments only.

We understand that dental costs can be challenging, even with the price offered in Mexico. This is why we made it possible for US citizens to use US financing in Mexico.

Yes, that’s right—US financing. You get to enjoy financing terms you can trust from a reputable US company. That also means lower interest rates and higher approval rates.

Let’s discuss how it works for you. Below are some of the frequently asked questions for this service.

What company will finance the treatment?

We partnered with United Credit to help you better access affordable dental treatments in Mexico.

Does this loan finance dental implants only?

No, you can apply for any dental treatment you need. Root canal with a crown? Sure. Veneers? Of course.

Can I get dental financing even when I have bad credit?

Yes, it is still possible to get dental financing even if you have a low credit score. It may depend on how bad your credit is and what your credit checks show.

Even if you meet some negative criteria, it doesn’t mean you can’t get dental financing. It might mean that you will have to make payments at a higher interest rate than you wanted. You might also have to repay the loan in a shorter term.

How much can I loan for the dental treatment?

You can borrow from $500 to $25,000. You can use it to pay for a portion of or the entire treatment cost.

What are the loan terms?

Your loan terms can go up to 60 months. You can pay the loan off early and save money on interest. No need to worry about repayment penalties.

What credit score is needed for dental financing?

You can start with a 570. Of course, approval will depend on what else is on your credit profile.

Can I have a co-applicant or co-signer to help me improve their approval odds?

Yes, it can help. However, your co-applicant needs to have a stronger credit profile. Always start with a primary applicant and add a co-applicant if needed.

What do I use for income?

We always suggest household income. You can combine the income of everyone in the household.

Can I have someone else apply for me? For example, can my spouse apply for me?

Yes, as long as we know who the patient is.

When can I start with the treatment?

The treatment can start when the loan has been funded. You can schedule your treatment after we receive the entire financed amount. Wait for a confirmation from us before you proceed with the treatment plan.

When do I need to start repaying the loan?

You need to make the first payment within 30 days of the funding. This is regardless of when your treatment starts. It’s possible that you’ll start paying the loan even before your treatment starts if you schedule your treatment past 30 days of loan funding.

How long is the pre-approval valid?

You have 30 days to go through and complete the loan. You will have to get pre-approved if you don’t start the loan process within 30 days.

How do I know if I am eligible?

You can use the button below to submit an application. Don’t worry, it’s a soft credit pull. It won’t affect your credit score.

Can I use my dental insurance along with financing to pay for the treatment?

You can with the right strategy. For example, full arch and full mouth dental implants normally take 2 to 3 visits to complete the treatment. You only pay the part of the treatment done during your visit.

You can use dental financing to pay for the first phase of the treatment. Then, you can pay the second phase in cash. After which, you can file for reimbursement from your dental insurance company.

TIP: Most PPO insurance plans will reimburse you for dental work done in Mexico. The coverage and percentages remain the same. However, it is important to verify with your insurance company first.

Has any of your previous clients been approved for financing in Mexico?

Yes, some of our clients have used this financing to pay for their dental work done in Mexico.

Here’s an example. Sylvia called us for estimates for All on 4 dental implants in Los Algodones. We told her that it’s at $11,800 per arch.

She said it might have to wait since she only had $6,000 saved. When we told her that she could apply for dental financing, she was ecstatic. We answered all her questions about loan terms, interest rates, and documents.

She applied for a $6,000 loan to finance the remaining amount. Her application was approved within six days. She was able to start her treatment faster than planned.

Sylvia didn’t have to wait for months or years to save up another $5,800 for the treatment. All thanks to dental financing.

Just like Sylvia, you too can get your dream dental treatment sooner than planned. Take advantage of US financing for dental implants done in Mexico. Don’t let costs delay your dental transformation.

Contact us today. We’ll be happy to discuss more details about dental financing with you. We can even book your free consultation with one of Mexico’s top 5% dentists.