Do you have a severe toothache, swelling or bleeding of the gums, or signs of infection in your mouth? If so, you’ll have to make an emergency dental visit that you didn’t plan for in your budget. Affording this can cost anywhere from a few hundred dollars to over one thousand, which can be tough to handle out of nowhere.
In this guide from Idaho Title Loans, Inc., we’ll review how to get an emergency dental loan in Idaho to afford dental bills. We will explain how title loans, payday loans, and signature installment loans can each help you get the fast cash you need to cover your dental costs today.
Emergency Dental Costs Explained
While the CDC recommends visiting the dentist annually to maintain good dental health, there may be situations that arise that necessitate emergency visits. Dental insurance can help cover these costs, but not everyone has dental insurance. You may also be insured for only 50% of the cost of dental visits, leaving you to cover the rest.
Below, we’ll explain common reasons for emergency dental visits and their average costs:
- Filling for a toothache – $139-$976
- Root canal – $757-$1,798
- Crown for a cracked tooth – $488-$1,593
- Dental implant for a missing tooth – $1,450-$3,875
- Dental filling – $173-$439
- Replacing dentures – $1,707-$3,540
- Mouth surgery for bleeding gums – $6,103-$14,647
These costs can range from ones you should be able to afford with your next paycheck to costs you won’t be able to afford with a few weeks’ worth of income. Dental insurance can lower these costs, but you will likely still have to pay a percentage out of pocket. If you cannot afford the cost of your dental visit, consider getting an emergency dental loan in Idaho.
3 Emergency Dental Loans In Idaho To Help Pay For The Dentist
You could borrow money from friends and family or get on a payment plan to afford your emergency dental visit. However, borrowing from your peers may not get you enough money, and payment plans can take a long time to repay. If you want to get fast cash to pay your dental costs now, Idaho Title Loans, Inc. can help.
Learn more about our three emergency dental loans below:
1. Title Loans
Title loans are secured loans that let you borrow money based on your vehicle’s value. As long as you own your vehicle outright and have fully paid it off, you can get title loans for medical bills in Boise. You can borrow up to $15,000 based on your vehicle’s value.
We will look at its age, make, model, condition, mileage, and maintenance history to determine how much you can borrow. Approval for title loans for dental costs only requires a few items to verify your identity, age, vehicle value, and full vehicle ownership.
Here are the required items for title loans in Idaho:
- A state-issued photo ID that displays your full name and date of birth
- A lien-free vehicle title in your name
- Your vehicle for a quick inspection
You can only get approved for this loan if you have fully paid off your car, truck, or van, which many potential borrowers have not. If you’re still paying off your vehicle, you could consider a payday loan for dental costs.
2. Payday Loans
Payday loans also go by the names cash advance and payday advance. These are short-term, small-value loans for those with current income. They allow you to borrow up to $500 from a future paycheck, as long as you can prove your income.
How much you can borrow depends on your income level and ability to repay the loan with your next paycheck, which is a requirement. The more you make, the closer you are to the maximum value you can borrow.
Much like title loans, you will only need a few items to get approved:
- A state-issued photo ID that displays your full name and date of birth
- Your most recent pay stub to verify your income
- A checking account
Payday loans will likely only help you pay for smaller dental emergencies. If you need more cash but don’t own your car outright, a signature installment loan could get you the emergency financing you need.
3. Signature Installment Loans
A signature installment loan is an unsecured loan that lets you borrow up to $1,500 for emergency expenses. Much like payday loans, your ability to afford repayment is a major factor in how much you borrow.
However, repayment works differently. For installment loans, you repay the loan in fixed installment payments over the course of a few months. Instead of needing to repay with your next paycheck, you can take time to rebuild your finances before needing to pay back the full cost of what you owe.
The following are the required items you’ll need to get approved for signature installment loans:
- A state-issued photo ID that displays your full name and date of birth
- Proof of income
- A checking account statement in your name
Now that you understand how these loans work, you can decide which one can help with your dental emergency. Which loan best fits the costs you need to afford? Learn more below to inform your decision.
Which Emergency Dental Loan Should I Choose?
Choosing a loan depends mostly on which one you can qualify for. A title loan may seem appealing due to the large loan amounts, but you must own your car outright to get approved. It’s also a bigger risk than the other loans because you need to put up collateral. Payday loans and installment loans require you to prove your income, so you must have a job to get approved.
If you qualify for each of them, which one you choose depends on how much money you need. Title loans can help with larger dental emergencies, such as surgery and dental implants. Installment loans can help with medium-sized costs, like getting a crown or root canal, while payday loans can only help you afford small procedures like getting fillings.
Once you have decided which loan will best help you, you can proceed with the approval process. Thankfully, the steps for each of these dental loans are similar.
How To Get Emergency Dental Loans In Idaho
At Idaho Title Loans, Inc, we can help you get fast financial relief with our same-day loans. You will just need to complete a few steps, all of which you can do in one day. After applying online, you can visit us in person to get qualified in less than 30 minutes.
The following are the steps involved in getting our loans for dental costs:
- Fill out the online form on this website (make sure you select the right loan type)
- Discuss loan terms over the phone with one of our representatives
- Visit our nearest Idaho store location with your required items for verification
- If you're going for a title loan, have your vehicle inspected for its value
- Sign the loan agreement to finish the process
- Receive your emergency cash later the same day or by the next business day
Get Your Emergency Dental Loan In Idaho – Borrow Fast Emergency Cash Today!
Do you need payday loans, installment loans, or title loans for medical bills in Boise? Idaho Title Loans, Inc. is here to help with our fast approval dental loans. You can get the cash you need within 24 hours to help pay for your dental costs. Don’t let your dental issues worsen; get the money you need today by filling out our online loan form and getting approved in person in less than 30 minutes.
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.
