Pre-qualify with no credit score impact Dental Test

All credit backgrounds consider Dental Test

Fixed monthly payments Dental Test

Use at Dentulu or participating offices

Advanced Saliva Testing: Precision Oral Microbiome & Systemic Health Analysis

Dental Financing and Payment Plans

Cost shouldn't decide whether you get treated. Dental financing lets you start care now and pay for it over time in fixed monthly instalments. Through DentuluPay (powered by Alphaeon), you can check what you pre-qualify for in a few minutes with no impact to your credit score, and no obligation to proceed.

Check what you pre-qualify for

How dental financing works

Dental financing spreads the cost of treatment across fixed monthly payments instead of a single upfront charge. Unlike dental insurance which typically caps annual benefits around $1,000–$2,000 and excludes cosmetic work financing has no annual maximum and covers whatever treatment you and your provider decide on.

Financing vs. insurance vs. paying upfront

	Dental Financing	Dental Insurance	Paying Upfront
Annual limit	None	Usually capped	None
Covers cosmetic work	Yes	Rarely	Yes
Start treatment immediately	Yes	Yes	Only with funds available
Pre-existing conditions	Covered	Often excluded	Covered
Monthly cost	Fixed instalment	Premium	None

Dental Financing

Annual limit None

Covers cosmetic work Yes

Start treatment immediately Yes

Pre-existing conditions Covered

Monthly cost Fixed instalment

Dental Insurance

Annual limit Usually capped

Covers cosmetic work Rarely

Start treatment immediately Yes

Pre-existing conditions Often excluded

Monthly cost Premium

Paying Upfront

Annual limit None

Covers cosmetic work Yes

Start treatment immediately Only with funds available

Pre-existing conditions Covered

Monthly cost None

Most patients use financing alongside insurance: insurance covers what it can, and financing handles the remainder.

Pre-qualify in three steps

Agree your treatment plan

Your provider confirms what treatment you need and what it costs. You'll know the exact figure before you apply.

Check your pre-qualification

Submit basic details through DentuluPay (powered by Alphaeon). This runs a soft credit inquiry, which does not affect your credit score and is visible only to you. You'll see your available amount and the payment options open to you.

No impact to your credit score

Review and accept

If the terms work for you, accept and your treatment is funded. If they don't, walk away pre-qualifying carries no obligation and costs nothing.

Start your pre-qualification

Dental financing with bad or limited credit

A low credit score doesn't automatically rule you out. Approval decisions weigh several factors, not just your score income stability, existing debt relative to earnings, and your history of meeting obligations all count.

What helps your application

Stable, verifiable income

From any source employment, self-employment, retirement, disability or benefits

A realistic amount

Requesting a figure that fits your monthly budget improves approval odds

Accurate details

Mismatched information is a common reason for decline

A co-applicant

A spouse or family member with stronger credit can be added

If you're not approved

A declined pre-qualification uses a soft inquiry, so it leaves no mark on your credit report and you can reapply.

Options worth considering:

• A smaller initial amount with treatment phased over time
• Adding a co-applicant
• Asking your provider about staging treatment so the most urgent work happens first

What you can finance

Financing applies to virtually any dental treatment there's no distinction between medically necessary and elective work the way there is with insurance.

Preventive and Diagnostic

Examinations, cleanings, imaging, saliva and bacterial testing

Restorative

Fillings, crowns, bridges, root canal treatment, dentures

Cosmetic

Whitening, veneers, bonding, smile design

Specialist

Implants, orthodontics and clear aligners, periodontal treatment

Sleep and Airway

Home sleep testing, oral appliances for sleep apnea

At-home Treatment

Therapeutic trays, remote monitoring devices, diagnostic kits

Ask your Dentulu provider whether your specific treatment plan qualifies.

DENTULU PAY

DentuluPay our financing programme

DentuluPay (powered by Alphaeon) is our patient financing programme, delivered in partnership with Alphaeon, a specialist healthcare lender. It's built for dental and medical care specifically, rather than general-purpose consumer credit.

What that means for you:

• Pre-qualification uses a soft credit check with no score impact
• Fixed monthly payments you know the total before you commit
• No application fee and no prepayment penalty
• Funds go directly to your provider, so you focus on treatment
• Usable for Dentulu services and at participating dental offices nationwide

Apply through Dentulu Pay

Healthcare financing through Alphaeon

Have questions?

Get answers

No. Pre-qualification uses a soft credit inquiry, which is visible only to you and has no effect on your score. A hard inquiry only occurs if you accept an offer and finalise the agreement.

Often, yes. Approval considers income stability, debt-to-income ratio and payment history alongside your credit score. Applicants with fair or limited credit are regularly approved, particularly for smaller amounts or with a co-applicant.

Most pre-qualification decisions return within minutes. Occasionally additional verification is needed, which extends it by a day or two.

No. Applying and pre-qualifying are free, with no obligation to proceed.

Yes, with no prepayment penalty. Settling early reduces the total interest you pay.

Yes. Unlike most insurance plans, financing covers cosmetic work including whitening, veneers and orthodontics.

Approved financing can be used at participating dental offices nationwide, not only for Dentulu services.

Financing is approved to an individual, but that individual can use it for family members' treatment. Family members can also apply separately.