Dental Loans And Assistance In Pennsylvania 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 Pennsylvania 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 affordable dental plans for those with low income that are available to residents of Pennsylvania:

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 – Individuals and families with low income can get free or discounted (based on a sliding scale determined by income) by these community sponsored dental clinics. To find a Safety Net Dental Clinic that can provide a reduced fee or free service in the following Pennsylvania counties: Allegheny, Adams, Armstrong, Bedford, Beaver, Berks, Bradford, Blair, Bucks, Cambria, Butler, Cameron, Centre, Carbon, Chester, Clearfield, Clarion, Clinton, Crawford, Columbia, Cumberland, Delaware, Dauphin, Elk, Fayette, Erie, Forest, Fulton, Franklin, Greene, Indiana, Huntingdon, Jefferson, Lackawanna, Juniata, Lancaster, Lebanon, Lawrence, Lehigh, Lycoming, Luzerne, McKean, Mifflin, Mercer, Monroe, Montour, Montgomery, Northampton, Perry, Northumberland, Philadelphia, Potter, Pike, Schuylkill, Somerset, Snyder, Sullivan, Tioga, Susquehanna, Union, Warren, Venango, Washington, Westmoreland, Wayne, York and Wyoming see

Senior Dental Care Program – This Pennsylvania dental program for seniors has more than 1,000 volunteer dentists participating that offer at least a 15 percent discount off their usual fees for patients who are eligible. In order to be eligible, a person must be a Pennsylvania resident, not be receiving state, federal or other dental health assistance, be age 65 or older, not have private dental insurance and have a total annual household income of less than $17,700 for a married couple or less than $14,500 for a single person. See for further information.

Pennsylvania Association of Community Health Centers – These community-owned and operated urban and rural centers can provide dental care that is both accessible and affordable. The PACHC is the state association of community health centers that was established in 1981 as a private non-profit organization. Most community health centers receive federal grant support from the Public Health Service and offer a sliding fee scale with discounts based on the patient’s income and family size in accordance with federal poverty guidelines. See to locate a Pennsylvania health center closest to you.

Pennsylvania’s Children’s Health Insurance Program (CHIP) – This comprehensive health care program for kids and teens includes dental coverage for emergencies, routine exams (every six months), as well as crowns, root canals, periodontics and oral surgery for removal of fully or partially impacted wisdom teeth. CHIP will also cover medically necessary orthodontics up to a $5,200 lifetime maximum for dental problems that interfere with eating, speaking, or breathing. Eligibility for children depends on family size and income (a average family of four making $47,100 qualifies for free CHIP) along with meeting the following requirements: must be under 19 years of age; a resident of Pennsylvania; a U.S. National, U.S. Citizen, or Qualified Alien; uninsured and not eligible for Medical Assistance. See or call 1-800-986-KIDS for more details.

Medicaid Program in the Department of Public Welfare (DPW) – Medicaid pays for health care services for eligible individuals and families. The dental services a adult or child may get are based on their age, eligibility category, and need. Enrolled children are covered for teeth cleaning, x-rays, crowns, cavity fillings, and other services. Enrolled adults are eligible at a minimum for surgical procedures and emergency services related to treatment for symptoms and pain. Some adults may be eligible for other dental services. You may still apply if you do not know if you are eligible. To learn more about the dental services offered under the Medicaid program in Pennsylvania, visit or call 1-800-692-7462.

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 Pennsylvania:

Temple University, Maurice H. Kornberg School of Dentistry, Philadelphia – This dental school provides affordable dental care at reduced fees by supervised students for routine dental care and prevention, children’s dentistry, emergency care, orthodontics and dental implants.

Contact Information:

3223 North Broad Street
Philadelphia, PA 19140
Phone: 215-707-2880

University of Pennsylvania School of Dental Medicine, Philadelphia – Getting treatment at this dental school can save you money especially when extensive dental work is needed. They provide a full range of dental care that includes general dentistry, dental implants, oral surgery, periodontics (gum disease treatment), pediatric dentistry, dentures, hygiene (cleaning), endodontics (root canal treatment), hygiene (cleaning), crowns and bridges, orthodontics (braces) and oral medicine.

Contact Information:

240 South 40th Street
Philadelphia, PA 19104-6030
Phone: 215-898-8965

University of Pittsburgh School of Dental Medicine, Pittsburgh – Fees at this school are slightly lower than private practice for certain treatment, and they have payment plan options. They provide a broad range of comprehensive dental services that also includes porcelain inlays, onlays, and veneers, dental implants, braces and root canals.

Contact Information:

3501 Terrace Street
Pittsburgh, PA 15261
Appointments may be scheduled by phone at (412) 648-8616

In-House Dental Financing – Some dentists in Pennsylvania 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 Pennsylvania:

At this time we are unable to locate any dental offices in Pennsylvania 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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