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Find the best loan for your dental procedure

Our loan calculator is a simple tool that will allow you to gauge how much financing you can get as a dental loan. It’s quite simple to calculate how much your monthly payment will be.

All you have to do is input the loan amount and loan duration and it will do the calculations for you. This way you can better compare your loan options among South African lenders so that you can budget better.

Calculate repayments

Get up to R250 000 over 1 – 84 months. Choose between the amount you want, the monthly installment that suits your pocket, or the option that gives you the lowest interest rate. Credit is approved in minutes and the money is available immediately. Pay fixed monthly repayments.
MoneyShop find the best loan suited to your profile with SA’s top loan providers. They have partnered with SA’s top personal loan providers to make your online application process quick and easy! Have a regular income of more than R4,000, bank statements and your SA ID? Apply online today.
Get up to R250 000 over 1 – 84 months. Choose between the amount you want, the monthly installment that suits your pocket, or the option that gives you the lowest interest rate. Credit is approved in minutes and the money is available immediately. Pay fixed monthly repayments.
Get up to R250 000 over 1 – 84 months. Choose between the amount you want, the monthly installment that suits your pocket, or the option that gives you the lowest interest rate. Credit is approved in minutes and the money is available immediately. Pay fixed monthly repayments.

RCS General Purpose Loan

RCS
12 months
to 60 months
R2,000
to R250,000
15.00%
APR
A cash loan from R2 000 up to R250 000. Fast, paperless application process. Decision in seconds. Cash in your account within 24 hours. Flexible repayment options; choose from 12 to 60 months. Free monthly statement via email or SMS. Customer Protection Insurance. Interest from as low as 15%. Apply via MoneyShop, they will help to ensure you're matched the best lender suited to you.

African Bank Personal Loan

African Bank
7 months
to 72 months
R10,000
to R250,000
15.00%
APR
Loans up to R250,000. Terms between 7 months and 72 months. Apply via MoneyShop, they will help to ensure you're matched the best lender suited to you.

BayPort Personal Loans

BayPort
6 months
to 72 months
R20,000
to R250,000
15.00%
APR
It is easy to apply for a Bayport personal loan of up to R250,000 with our simple online loan application process and personalised service. Once you have registered, all it takes is a minute, to find out if you qualify for a Bayport personal loan. Apply via MoneyShop, they will help to ensure you're matched the best lender suited to you.

Direct Axis Personal Loan

DirectAxis
12 months
to 60 months
R1,000
to R250,000
15.00%
APR
A personal loan from R1000 up to R250 000. Fast, paperless application process. Decision in seconds. Cash in your account within 24 hours. Flexible repayment options; choose from 12 to 60 months. Fixed monthly repayments. Free monthly statement via email or SMS. Optional Customer Protection Insurance. Interest from as low as 15%. Apply via MoneyShop, they will help to ensure you're matched the best lender suited to you.
MoneyShop find the best loan suited to your profile with SA’s top loan providers. They have partnered with SA’s top personal loan providers to make your online application process quick and easy! Have a regular income of more than R4,000, bank statements and your SA ID? Apply online today.

Personal Loan - Average Credit

MoneyShop
12 months
to 72 months
R10,000
to R250,000
24.75%
APR
MoneyShop find the best loan suited to your profile with SA’s top loan providers. They have partnered with SA’s top personal loan providers to make your online application process quick and easy! Have a regular income of more than R4,000, bank statements and your SA ID? Apply online today.

Nedbank Personal Loans

Nedbank
6 months
to 72 months
R2,000
to R350,000
24.75%
APR
Loans available from R2 000 to R300 000*. Flexible repayment periods from 6 up to 72 months. Monthly repayments debited from your bank account. The best possible interest rate that we can offer you. Easy online loan application process. Apply via MoneyShop, they will help to ensure you're matched the best lender suited to you.

CompareLoans.co.za provides factual information in relation to financial products. While CompareLoans.co.za attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on CompareLoans.co.za is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with CompareLoans.co.za. CompareLoans.co.za recommends that you read the relevant product disclosure statement or product guide before taking up any financial product offer. For more information please see CompareLoans.co.za's Terms of Use and Services Guide.

Minimum and maximum loan periods vary between 1 months and 10 years. Comparison interest rates vary between 6.55% and 60% p.a. Total interest repayments vary between R685.05 and R844.12 over the life of the loan. *Comparison rate is based on an unsecured loan of R20,000 for a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

Find and compare 7 types of loans for dental work in SA

Dental care is very important, and yet visiting the dentist can be expensive. If you don’t have enough cash or insurance cover, you might be looking for loans for dental work or loans for cosmetic dentistry. Here are 7 financing options to choose from and the best way to compare them.

7 ways to pay for your dental procedure

Unsecured personal loans

Most dental loans are personal loans that can be used to pay for various procedures and even related expenses. Borrowing limits are typically between R2000 and R250 000 while loan terms vary mostly between 1 year and 5 years. Unsecured personal loans have interest rates that are a bit higher than those for secured loans because they require no collateral.

  • Pros. No risk of losing your assets (might be your house or car) if you default. Also, most personal loans have very few restrictions, and this means you can use them for a variety of purposes, including root canals, tooth removal, cleaning or filling.
  • Cons. To reduce the risk they take on, lenders might limit how much you can borrow unless you have a clean credit report and a high income level.

Secured personal loans

Secured personal loans are guaranteed by the asset you put up, which is typically your house or home.

  • Pros. They have lower interest rates because there is less risk for the lender. The lender can also allow you to borrow more or choose a longer loan term.
  • Cons. You risk losing the asset you put up as a guarantee when you default.

Short term loans

Short term loans like payday loans offer low amounts – between R500 and R8000 – that have to be paid back by the end of the month or within 30 days, 6 months, or 12 months depending on the lender. They’re a good option if you’re looking for bad credit loans for dental work.

  • Pros. They’re suitable for emergency dental visits. If you need an urgent tooth extraction, some payday lenders advertise an easy application process that delivers the cash in your bank account in less than 10 minutes. Furthermore, no credit checks are carried out.
  • Cons. The high interest rates can end up making your dental procedure more costly if you don’t pay the loan off as quickly as possible.

Medical loans

Some lenders offer medical loans that are specifically used to pay for dental work. In such cases, you might be required to first get a quote from your dentist. After the procedure, the lender pays any outstanding amount to the dental practitioner.

  • Pros. These lenders often have specialist knowledge of how dental loans work, which makes the financing process easier.
  • Cons. Typically, the loan is paid directly to the dental practitioner. This restricts you from using it for other purposes related to your procedure, for example, transportation.

Credit card

If you have a reasonable limit on your credit card, you can use it to settle your bill before or after your appointment.

  • Pros. You can shop around for a credit card with a 0% starting interest rate to help you avoid the high rates associated with credit cards.
  • Cons. Low limits mean you might not be able to finance the full cost of your dental work.

Overdraft

If you have an overdraft protection agreement with your bank, you can still draw money from your account to pay for dental work, even when your balance becomes low. You then repay the overdraft plus interest.

  • Pros. If the agreement is already in place, you can withdraw funds immediately from your bank to pay for any emergency dental work without having to apply or wait first.
  • Cons. Like credit cards, overdrafts have limits, so they can only be used to settle smaller dental bills.

Negotiate an in-house payment plan with your dentist

Some South African dentists have a flexible approach which enables you to have dental work done that you can later pay for in smaller instalments.

  • Pros. You can find interest-free, in-house financing that is very affordable, especially if your dental insurance is not covering the procedure.
  • Cons. This option might only be reserved for long-term customers who have ongoing dental work that needs to be done.

Important factors you can use to compare loans for dental work

  • Loan requirements. Do you meet all the loan requirements? For example, your salary or credit score has to be above the minimum amount for you to qualify.
  • Interest rate. Find the most competitive or lowest interest rate, whether it’s a fixed or variable rate loan. Also, look for a lender who is open to discount negotiations.
  • Annual percentage rate. Your loan’s APR will include your interest rate and other fees or charges. Comparing APRs is the best way to find a loan with the lowest total cost.
  • Response time. How fast do you need the funds? If you need to visit the dentist urgently, then you want a lender that at least offers same day loans.
  • Loan restrictions. Some lenders might not allow you to use the funds for other purposes. Others will not allow you to make early or additional payments unless you pay a penalty fee.

Dental loans calculator – Get a monthly payment that works for you

You might have heard it plenty of times before but only taking out a loan you can afford is also crucial if you are planning on dental financing. Use the dental loans calculator from CompareLoans to find out how much you need to borrow, the best loan term, monthly payments and finally the best lender.

Simply enter the loan amount and term before clicking calculate. Next, check the results displayed in our comparison tables.

Apply for a dental loan the easy way

Before you finance any dental work, check to see if you meet the following general requirements:

  • Be over the age of 18;
  • Regular, monthly income;
  • Bank statements and payslips – proof of income; and
  • A good credit score.

If all is in order, you can make an easy and fast online application by first comparing the lenders featured in our comparison tables. Once you have made your decision, click the “Go to Site” button to visit the lender’s website. Fill in the online form and upload the necessary documents. The lender will contact you to finalise the terms and conditions of your loan agreement after you submit your online application.

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