New Jersey Dental Financing And Assistance For Bad Credit/Low Income


Many residents living in New Jersey 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 discounted dental treatment that are available to residents of New Jersey:

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.

New Jersey Medicaid And Chip Programs – Beginning January 2014, CHIP and Medicaid will be included under the NJ FamilyCare which is New Jersey’s publicly funded health insurance program. Qualified NJ residents of any age can be eligible for low cost to free health insurance that covers dental care along with doctor visits, vision, prescriptions, substance use services and mental health, and hospitalization. Open enrollment started on October 1, 2013 and coverage will begin on January 1, 2014. See for more information and to apply.

Health Centers – Residents of New Jersey 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. or contact the HRSA Information Center toll-free at 1-888-Ask-HRSA (1-888-275-4772) for a list of health centers closest to your location in the New Jersey counties of Middlesex, Bergen, Essex, Monmouth, Hudson, Ocean, Camden, Union, Passaic, Burlington, Morris, Mercer, Gloucester, Somerset, Atlantic, Sussex, Cumberland, Hunterdon, Cape May, Warren, and Salem.

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

Rutgers School of Dental Medicine – Provides a full range of oral health services at a rate considerably less than at a traditional dental office which is performed by a postgraduate or predoctoral student that work under the direction of a faculty member that is a fully licensed dentist.

Contact Information:

110 Bergen Street
Newark, New Jersey 07103

Basic Information for Adults – Call (973) 972-7370
Basic Information for Children (age 12 and under) – (973) 972-4620

In-House Dental Financing – Some dentists in New Jersey may offer in-house financing regardless of past credit. Here is a list of dentists that we found to offer this type of financing:

At this time we are unable to provide our viewers with any dentists in New Jersey that offer in-house 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

Clinical Trials – The National Institute of Dental and Craniofacial Research sometimes seeks volunteers with specific oral, dental, and craniofacial conditions to participate in dental, also known as research studies. Researchers may provide study participants with a low-cost or limited free dental treatment for the particular condition they are studying. To find out if there are any NIDCR clinical trials that you might fit into, visit the NIDCR web site.

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