California Dental Financing And Assistance For Bad Credit/Low Income


Many Americans living in California 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 California:

Medi-Cal – is California’s Medicaid health care program that pays for a variety of medical services, including some dental work for adults and children with limited resources and income. Medi-Cal is supported by state and federal taxes. You can apply for Medi-Cal benefits regardless of race, sex, religion, national origin, color, sexual orientation, age, marital status, disability, or veteran status. If you are able to qualify, you can get Medi-Cal as long as you continue to meet the eligibility requirements. Depending upon your monthly income, Medi-Cal may determine that you have to meet a share of cost before Medi-Cal will pay for your or your family’s medical expenses for the month.

Health Centers – Californians 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, including dental care. –

Dental Schools – Dental schools 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 California:

University of the Pacific, Arthur A. Dugoni School of Dentistry – offers a wide array of dental services with affordable fees and payment plans for fillings, dentures and digital X-rays to cosmetic dentistry, facial pain treatment and orthodontics, including Invisalign invisible braces. The cost of dental care in the Main Clinic is about 30 – 40% less expensive than a typical dental office in the area and most insurance plans are accepted.

Main Clinic
2155 Webster Street, Level C
San Francisco, CA 94115

Ostrow School of Dentistry of USC, Norris Dental Science Center – provides expert dental care for routine care, braces, dentures, cosmetic treatments, or dental surgery at a discounted price. Norris Dental Science Center Clinic and specialty clinics are located at the Ostrow School of Dentistry of USC on the University Park Campus close to downtown Los Angeles.

925 West 34th Street
Los Angeles, CA 90089-0641

To make an appointment or to get more information about services and clinics at the Norris Dental Science Center, please call the numbers listed below.

Norris Dental Science Center Clinic/Center for Diagnostic Services – (213) 740-2805
Dental Hygiene Clinic – Phone: (213) 740-1550
Endodontic Clinic – Phone: (213) 740-1545
Oral and Maxillofacial Surgery Clinic – Phone: (213) 740-1583
Orofacial Pain and Oral Medicine Clinic – Phone: (213) 740-3410
Orthodontic Clinic – Phone: (213) 740-0406
Pediatric Dentistry Clinic – Phone: (213) 740-0412
Periodontic Clinic – Phone: (213) 740-1545
Prosthodontic Clinic – Phone: (213) 740-1545
Special Patients Clinic – Phone: (213) 740-5094
Urgent Care Clinic – Phone: (213) 740-1576

University of California, San Francisco, School of Dentistry – offers dentistry services from dental student providers, dentists pursuing specialty training (residents), or faculty dentists. They offer general and specialty dental services from general dental services, treatment of teeth with root canal problems, extraction of teeth, removal of diseased tissue, treatment of injuries and developmental malformations of the mouth, jaws, and related structures of the face, orthodontics, pediatric dentistry, prevention and treatment of diseases of the gingiva (gums) and the bone surrounding and supporting the teeth and placement of implants to restore missing teeth, and dentures. You can save approximately half the cost of what you would pay for treatment in a private dental office.

Contact Information:

PATIENTS: Student Dental Clinic
707 Parnassus Avenue
San Francisco, CA 94143
(415) 476-1891

Loma Linda University, School of Dentistry – offers lower than average fees for most services for teeth cleanings, root canals, extraction of teeth, removal of diseased tissue, treatment of injuries and developmental malformations of the mouth, jaws, and related structures of the face, implant dentistry, orthodontics, pediatric dentistry, periodontics, restoration of natural teeth with crowns and replacement of missing teeth with fixed bridges or implants; Removable – design and fabrication of complete, immediate and partial dentures to replace missing teeth, and restorative dentistry. Payment for services must usually be paid for as they are provided. It is possible to arrange for an extended payment plan through their Patient Business Office. Payment for services may be made by cash, check, or credit card.

For first time patients needing general care, please call (909) 558-4675 to make arrangements to be seen. For urgent care, please call (909) 558-4666. For children under the age of 15, please call (909) 558-4689. For orthodontic care (braces) please call (909) 558-4616. For implant dentistry, please call (909) 558-4983.

Location: 11092 Anderson Street Loma Linda, CA 92354

In-House Dental Financing

Many dentists in California offers in-house financing regardless of past credit. Here is a list of dentists that we found to offer this type of financing:

Western Dental offers its own financing to patients without looking to banks or credit institutions. Their website claims they offer 0% interest, low down payments, poor credit is OK and convenient installment payments.

Phone: 1-800-579-3783


2948 University Avenue San Diego, Ca 92104
4123 University Ave San Diego, Ca 92105
1539 E. Plaza Blvd National City, Ca 91950
3802 Clairmont Mesa Blvd. San Diego, Ca 92117
1101 Broadway Chula Vista, Ca 91911
583 N. 2Nd Street El Cajon, Ca 92021
12649 Poway Road Poway, Ca 92064
1468 E. Valley Parkway Escondido, Ca 92027
169 S. Rancho Santa Fe Road San Marcos, Ca 92078
3125 Vista Way, Suite 100 Oceanside, Ca 92054
41115 Winchester Rd., Suite 102 Temecula, Ca 92591
25155 Madison Ave, Suite 101 Murrieta, Ca 92562
3027 W. Florida Hemet, Ca 92545
534 W. 19Th Street Costa Mesa, Ca 92627
500 N. Main St Santa Ana, Ca 92701
23185 Hemlock Ave, Suite 1 Moreno Valley, Ca 92553
555 S. Sunrise Way, Suite 400 Palm Springs, Ca 92264
617 N. Main Street Corona, Ca 92880
887 W. Ramsey Banning, Ca 92220
3485 Madison Street Riverside, Ca 92504
69160 Ramon Road, Suite 100 Cathedral City, Ca 92234
8001 Westminster Avenue Westminster, Ca 92683
1696 W. Katella Anaheim, Ca 92802
81735 Highway 111, Suite A Indio, Ca 92201
5971 Lincoln Ave Buena Park, Ca 90620
1450 N. Imperial Ave El Centro, Ca 92243
1715 W. Redlands Blvd, Suite B Redlands, Ca 92373
1150 E. Anaheim Long Beach, Ca 90813
10144 Sierra Avenue Fontana, Ca 92335
12400 Central Avenue Chino, Ca 91710
260 W. Foothill Blvd Rialto, Ca 92376
1199 N. E Street San Bernardino, Ca 92410
14880 Whittier Blvd Whittier, Ca 90604
9755 Alondra Blvd. Bellflower, Ca 90706
4901 E. Kings Canyon Road Fresno, Ca 93727
4195 Shields Ave Fresno, Ca 93726
751 W. Shaw Avenue Clovis, Ca 93612
1100 N. Gateway Dr Madera, Ca 93637
210 N. 11Th Ave, Suite 101 Hanford, Ca 93230
828 S. Mooney Blvd. Visalia, Ca 93277
1111 E. Tulare Ave. Tulare, Ca 93274
1124 W Olive Ave, Suite 101 Merced, Ca 95348
1213 W. Henderson Ave Porterville, Ca 93257
703 N. Golden State Blvd. Turlock, Ca 95380
2045 W. Briggsmore Avenue, Suite E Modesto, Ca 95350
1350 Churn Creek Road, Suite F-1 Redding, Ca 96003
2471 Cohasset Road, Suite 170 Chico, Ca 95926
727 Colusa Ave Yuba City, Ca 95991
355 Florin Rd, Suite 3 Sacramento, Ca 95822
10321 Folsom Blvd Rancho Cordova, Ca 95670
8324 Elk Grove Florin Rd. Sacramento, Ca 95825
791 E. Monte Vista Ave Vacaville, Ca 95688
320 South Cherokee Lane Lodi, Ca 95240
2440 N. Texas Street Fairfield, Ca 94533
7860 West Ln., Suite B Stockton, Ca 95210
2120 Railroad Rd., Suite 105 Pittsburg, Ca 94565
1260 Trancas St. Napa, Ca 94558

Western Dental has over 200 locations so we could not list them all. Please call their toll free number or check their website for additional locations in California.

David J. Bull, DDS – provides his patients with affordable payment plans regardless of their credit history with in-house financing. Contact them at 9309 La Riviera Drive, Suite B Sacramento, CA 95826 Phone: (916) 362-9257

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

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

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