Invoices from the dentist can be very high, especially for services such as dentures. Since the state health insurance companies now only take care of primary care, more and more services have to be paid for privately by the patient. Various banks have included a loan for the dental bill in their offer so that patients with less income can also afford the necessary treatments.
What are the advantages of a loan for a dentist bill?
These loan offers were created specifically for the needs of dentist patients in order to enable people with a lower income to receive comprehensive dental treatment. The interest on this loan is said to be significantly cheaper than for a normal installment loan. In addition, the loans are offered from a very small amount, such as 250 USD. There is also the possibility of an interest-free repayment of the loan if it is repaid within six months. With a term of one year, the interest rate for a loan for a dental bill is 2.9 percent, with a term of 2 years at 6.9 percent. As with a normal installment loan, the creditworthiness of the customer is also checked when a loan for dental services is granted. If this is given, there is nothing standing in the way of a loan for a dentist bill.
Many doctors work with credit companies
In order to make it easier for patients to decide on a loan and to save time-consuming walking, many dentists have offers from banks for a loan for the dental bill in practice. This allows patients to inquire about the conditions for a loan on site. However, it is advisable not to close such a loan offer immediately. As with any other loan, patients should take the time to calculate the offers carefully.
You should also think about the services, because it may be tempting for one or the other dentist to convey additional services to the patient that are not absolutely necessary. Before starting treatment, it is therefore advisable to get a second opinion on the healing or cost plan. Both the Chamber of Dentists and the Association of Statutory Health Insurance Physicians offer patient advice where cost plans can be checked and discussed.
It is definitely worth comparing
Even if the loan for a dentist’s bill is specifically tailored to patients, it does not mean that the loan is always the cheapest. Comparisons have shown that these loans are very attractive with smaller amounts and with a short term and offer the best conditions. With a larger amount and a longer term of the loan, however, it looks different, so it is worthwhile to also get offers from other banks. Because only those who compare can also find the best offers.