Dental Loans And Assistance In North Carolina For Bad Credit/Low Income


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 North Carolina 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 discount dental plans that are available to residents of North Carolina:

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.

Safety Net Dental Clinics – They are non-profit dental facilities in the state of North Carolina for low income individuals or families that provide dental care on a sliding-fee scale to low-income patients. There are Safety Net Dental Clinics in the counties of Alexander, Alamance, Alleghany, Ashe, Anson, Avery, Bertie, Beaufort, Bladen, Buncombe, Brunswick, Burke, Caldwell, Cabarrus, Camden, Caswell, Carteret, Catawba, Cherokee, Chatham, Chowan, Cleveland, Clay, Columbus, Cumberland, Craven, Currituck, Davie, Davidson, Duplin, Edgecombe, Durham, Forsyth, Gaston, Franklin, Gates, Granville, Graham, Greene, Halifax, Guilford, Harnett, Henderson, Haywood, Hertford, Hyde, Hoke, Iredell, Johnston, Jackson, Jones, Lenoir, Lee, Lincoln, Madison, Macon, Martin, McDowell, Mitchell, Mecklenburg, Montgomery, Nash, Moore, New Hanover, Onslow, Northampton, Orange, Pasquotank, Pamlico, Pender, Person, Perquimans, Pitt, Randolph, Polk, Richmond, Rockingham, Robeson, Rowan, Scotland, Rutherford, Stanly, Surry, Stokes, Swain, Tyrrell, Transylvania, Union, Wake, Vance, Warren, Watauga, Washington, Wayne, Wilson, Wilkes, Yancey and Yadkin in North Carolina. Locate your nearest Safety Net Dental Clinic at

North Carolina Medicaid – This jointly funded health insurance program by the federal government and the state is designed for low-income individuals and families that can’t afford health care costs, along with people with disabilities and seniors which can help to cover dental expenses for people who qualify. See their Medicaid Eligibility Chart to learn if you can qualify.

North Carolina Health Choice (NCHC) Health Insurance Program – This is a comprehensive health coverage program that covers dental care for children with low-income parents. If your family makes too much money to qualify for Medicaid, but too little to afford employer-sponsored or private health insurance, your child may qualify for NCHC. See to learn coverage criteria and eligibility requirements.

Dental Schools – Dental schools are a excellent source of reduced-cost, quality dental treatment. Most of these teaching facilities have clinics that allow dental students to gain experience treating patients while providing care at a lowered cost. Licensed, experienced dentists closely supervise the students. Faculty and post-graduate clinics are also available at most dental schools.

Locations and Contact Information of Dental Schools in North Carolina:

University of North Carolina School of Dentistry, Chapel Hill, N.C. – This dental school provides discounted care and treatment under three divisions:

a) Student Clinics – Provides dental treatment delivered by students under faculty supervision in all areas of dental care at reduced fees relative to those found in private practice. To become a patient at the student clinic call (919) 537-3737. For children aged 4-14, call Patient Admissions at (919) 537-3737. For children under age 4, call Graduate Pediatric Dentistry at (919) 537-3956.

b) Graduate Student Clinics – Dental treatment is performed by dentists that are seeking advanced education or are becoming specialists. They provide low cost dental services to prevent diseases, diagnose and treat the teeth and gums along with tooth whitening (bleaching), tooth-colored restorations (fillings), crowns, porcelain veneers, bridges, partial dentures, implants, gum treatments, full dentures, restorative dentistry, cosmetic dentistry, oral and maxillofacial surgery, and orthodontics (braces). For patient admissions call (919) 966-2805 or for children under age 4 call (919) 537-3956.

c) Dental Faculty Practice – Treatment is delivered by a group dental practice whose clinicians are faculty at the School of Dentistry. However, unlike dental care provided by student dentists, fees are comparable to that found at a private practice in the surrounding community. Services Include dental implants, general dentistry, endodontics, implants, operative dentistry, oral and maxillofacial treatment, orofacial pain (TMJ and sleep apnea), orthodontics (adults and children), periodontology, pediatric dentistry and prosthodontics. For a appointment call (919) 537-3939.


Carolina at Chapel Hill
Campus Box 7450
Chapel Hill, NC 27599-7450
Phone: (919) 537-3737
Patient Information Website:

East Carolina University School of Dentistry, Greenville, N.C. – They provide dental care provided by students and residents that is less costly than most private dental offices and they have clinics at three different locations in North Carolina.

a) ECU School of Dental Medicine Community Service Learning Center located at 100 Health Center Drive in Ahoskie, NC 27910 – Services at this location include comprehensive general dentistry, extractions, children’s dentistry, root canals, crowns and bridges, sealants and tooth colored fillings, dental implants, dentures and partial dentures, periodontal services and cleanings, digital radiography, cosmetic tooth whitening and 3-D/Cone beam imaging. To schedule a appointment call 252-332-1904 or visit their website at

b) ECU School of Dental Medicine located at 1851 MacGregor Downs Road in Greenville, NC 27834 – Offers the same services as the above clinic. A appointment can be scheduled by calling 252-737-7834 or visiting their website at

c) The ECU Community Service Learning Center located at 1161 North Road Street in Elizabeth City, NC 27909 – Also provides the same services as the above dental clinic. A appointment can be scheduled by calling 252-737-7250 or visiting their website at

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

Below is a list of dentists that claim they can help people with bad credit financing for dental work in North Carolina:

At this time we are unable to locate any dental offices in North Carolina 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.

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.

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