Bad Credit Dental Loans And Low Income Assistance In Illinois


Beautiful teeth are important and keeping your teeth and mouth healthy is also important to your overall health. Lack of access to dental care for all ages remains a public health challenge and many Americans living in Illinois are finding it difficult to pay a dentist for their dental needs. This may be because they are unable to afford dental treatment or unable to get approved for financing because of bad credit.

Here we have listed the options for low cost dental treatment that are available to residents of Illinois:

Dental Benefits For Veterans – Dental benefits are provided by the Department of Veterans Affairs according to law. In some instances, Veterans Affairs is authorized to provide extensive dental care, while in other cases treatment may be limited. Eligibility and benefits for Veteran dental care are limited by law and categorized into VA dental classifications or classes.

Medicaid – Medicaid is a jointly funded state and Federal government program that pays for medically necessary services. Medicaid pays for medical services for children and their caretakers, pregnant women, and persons who are disabled, blind or 65 years of age or older. Families and certain individuals can qualify for dental benefits under Medicaid if they meet certain income limits. Currently, the adult dental program in Illinois is now an “emergency only” program only. The dental program for adults only include a dental emergency examination, X-rays to diagnose the emergency condition, and extractions. Children are covered under the All Kids Program and are eligible for exams (check-ups), extractions (pulling), crowns (caps), fluoride, fillings, cleanings, sealants, X-rays and root canals. Starting January 1, 2014, Medicaid in Illinois will soon be covering adults who were not eligible in the past. Beginning in October of 2013, newly eligible individuals and families can use the “Application for Benefits Eligibility”, or “ABE,” to apply: See or visit the nearest Illinois Department of Human Services (DHS) office or call DHS at 1-800-843-6154, TTY 1-800-447-6404 for further information on benefits and qualifying information.

Health Centers – Illinois residents may also want to contact their local Health Center as many may provide discounted dental services to those unable to afford treatment. The Bureau of Primary Health Care, a service of the Health Resources and Services Administration (HRSA), supports federally-funded community health centers across the country that provide free or reduced-cost health services (you pay what you can afford based on your income), including dental care. See or contact the HRSA Information Center toll-free at 1–888–Ask–HRSA (1–888–275–4772) for a list of health centers in the Illinois counties of Cook, Lake, DuPage, Will, McHenry, Kane, Winnebago, Madison, St. Clair, Champaign, Peoria, Sangamon, McLean, Tazewell, Rock Island, Kendall, Kankakee, LaSalle, Macon, Vermilion, DeKalb, Adams, Jackson, Williamson, Whiteside, Coles, Boone, Ogle, Henry, Knox, Grundy, Macoupin, Stephenson, Franklin, Marion, Livingston, Jefferson, Woodford, Clinton, Fulton, Lee, Morgan, Bureau, Christian, Effingham, Randolph, Monroe, McDonough, Logan, Montgomery and more.

Illinois Dental Schools – Dental schools located in Illinois can be a good source of quality, reduced-cost dental treatment. Most of these teaching facilities have clinics that allow dental students to gain experience treating patients while providing care at a reduced cost. Experienced, licensed dentists closely supervise the students. Post-graduate and faculty clinics are also available at most schools.

Locations and Contact Information of Dental Schools in Illinois:

Midwestern University College of Dental Medicine, Downers Grove – Their dental students can provides dental treatments at about half the cost of typical dental care under the supervision and direction of licensed dental faculty. Dental services include radiography, diagnostic and dental hygiene procedures, replacement of missing teeth (e.g. bridges, crowns), dental restoration (e.g. fillings), oral surgery and dentures. To schedule a appointment see or call 630.743.4500 to schedule an appointment.


Midwestern University Clinic Illinois
3450 Lacey Road
Downers Grove, IL 60515

Southern Illinois University School of Dental Medicine, Alton – They provide quality dental care performed by a resident or student that is supervised by experienced dental faculty and treatment is offered at a substantially lower fee. They expect payment at the time of treatment, however the fee for more costly procedures may be divided into two payments (half the amount to be paid when the procedure is started and the remaining half to be paid prior to final completion of the procedure). The dental school does provide payments plans for implant and orthodontic services. To learn more about becoming a patient at the SIU School of Dental Medicine, please visit call (618) 474-7000 or toll free at (888) 328-5168, Extension 7000.


2800 College Avenue
Alton, IL 62002

University of Illinois at Chicago College of Dentistry, Chicago – Provides a complete range of dental and oral health services for endodontics (root canals), replacement of missing teeth with dental implants, crowns, bridges, dentures, oral and maxillofacial surgery, oral medicine, orthodontics (braces, pediatric dentistry, prosthodontics and periodontics). To learn more about becoming a patient at the Chicago College of Dentistry in Chicago, please see patients or call 312.996.1265.


801 S. Paulina St.
Chicago, IL 60612

Clinical Trials – The National Institute of Dental and Craniofacial Research sometimes seeks volunteers with specific oral, dental and craniofacial conditions to participate in research studies, otherwise known as clinical trials. Researchers may provide study participants with limited low-cost or free dental treatment for the particular condition they are studying.

In-House Dental Financing – Some dentists in Illinois may offer in-house financing regardless of past credit.

At this time we are unable to locate any dental offices in Illinois that offer in-house dental financing with bad credit. If any of our viewers are aware of any in-house financing programs for bad credit or if you are a dentist that offers such a program and want to be added to our list, please email us at

Although they are not a dentist but a finance company, United Medical Credit claims to offer financing options for most credit scores. In cases when the applicant is declined due to derogatory credit, they claim you can add a co-signer on the loan to help try and get you approved. They provide oral cosmetic and dental procedure loans for braces, contouring, reshaping, gum surgery, dentures, root canals, veneers, tooth whitening and more. For more information you can contact them by calling (888) 647-4333 or visiting their website at If you get approved or denied, please let us know the details by emailing us at so we can update the information with our viewers.

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