At the dentist, patients pay both the costs of the dentist’s individual health services that are not covered by the health insurance company, and personal contributions for dentures. Private patients can exclude dental treatment from the scope of insurance, but this is neither useful nor is it often used. With the exception of the costs of simple IGeL services, almost all privately paid dental bills require borrowing.
Installment payment at the dentist
Most dentists do not invoice their patients themselves, but through a dental service point with their patients. Most of the corresponding agencies offer payment in installments by sending their invoice, but the duration is limited to six months. Patients can accept the offered installment payment by a simple statement or ask for an extension of the term to a maximum of one year.
If repayment is desired over a longer period of time, they will have to take out a loan for the dentist’s costs. The few dentists who do not settle through a service center also grant their patients payment in installments of six to twelve months at their request.
Use the disposition loan for the dentist bill?
In many cases, the disposition credit is sufficient to pay the patient’s share of the dentist’s bill. However, its use is not recommended unless the account can be settled within a few months. The reason is that using the overdraft facility as a loan for the dentist’s costs leads to above-average interest rates. In addition to the higher interest rates compared to an installment loan, compound interest accrues when using the overdraft facility, since the interest amounts already paid increase the debit balance of the checking account.
Paying the dentist’s bill with a credit card and then using the installment facility is also not recommended, as the interest will be even higher than for the overdraft facility.
Find a cheap loan
The least expensive loan for dental expenses is if it is taken out as a normal consumer loan or as a personal loan. When borrowing online, consumers do not have to state that they need the loan to pay a dentist’s bill. If borrowers with poor credit ratings have been denied the loan on the Internet and they personally contact a bank, the intended use of the dentist’s costs may well be the decisive factor in the approval of the loan officer for the loan.
This is based on its discretion and the preferential promotion of urgently necessary health measures over mere consumption. On websites for the mediation of loans between private individuals, requests for a loan for dental expenses can also be found with an above average number of lenders in a short time. On the relevant platforms, specifying the purpose of a loan is an important decision criterion for private lending.