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Bad Credit Dental Loans And Low Income Assistance In Michigan

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 Michigan 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 low cost dental treatment that are available to residents of Michigan:

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.

Community Dental Programs – There are community dental programs in the state of Michigan that provide help to people with disabilities, seniors, patients on Medicaid, the poor, persons in need of dental care they can’t otherwise afford and persons with no dental insurance. To locate a community dental program in the counties of Alger, Alcona, Allegan, Antrim, Alpena, Arenac, Barry, Baraga, Benzie, Bay, Berrien, Calhoun, Branch, Cass, Cheboygan, Charlevoix, Chippewa, Clinton, Clare, Crawford, Dickinson, Delta, Eaton, Genesee, Emmet, Gladwin, Grand Traverse, Gogebic, Hillsdale, Gratiot, Huron, Houghton, Ingham, Iosco, Ionia, Iron, Jackson, Isabella, Kalamazoo, Kent, Kalkaska, Keweenaw, Lapeer, Lake, Leelanau, Livingston, Lenawee, Luce, Macomb, Mackinac, Manistee, Mason, Marquette, Menominee, Mecosta, Midland, Monroe, Missaukee, Montcalm, Muskegon, Montmorency, Newaygo, Oceana, Oakland, Ogemaw, Osceola, Ontonagon, Oscoda, Ottawa, Otsego, Presque Isle, Saginaw, Roscommon, Sanilac, Shiawassee, Schoolcraft, St. Clair, Tuscola, St. Joseph, Van Buren, Wayne, Washtenaw and Wexford: See

Health Centers – Michigan residents 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 (you pay what you can afford based on your income), including dental care.

Free Clinics – Some free clinics in Michigan offer free dental care. Free clinics use volunteer health care providers to give low cost or sometimes free care to individuals and families without insurance.

Michigan Health Care Programs (Administered by the Michigan Department of Community Health (MDCH)) – Health care coverage is available to families and individuals in Michigan that meet certain eligibility requirements. The goal of these health care programs is to ensure that essential health care services are made available to those who otherwise do not have the financial resources to purchase them. These state run health care programs are available to adults, children and families. Coverage can vary depending on the program and the applicant’s citizenship status. Eligibility is determined by the Michigan Department of Human Services (MDHS) for these health care programs. These health care programs in Michigan have an asset and income test and can vary with each program.

Michigan Dental Schools – Dental schools located in Michigan can be a good source of quality, reduced-cost dental treatment. Most of these teaching facilities have clinics that allow dental students to gain experience treating patients while providing care at a reduced cost. Experienced, licensed dentists closely supervise the students. Post-graduate and faculty clinics are also available at most schools.

Locations and Contact Information of Dental Schools in Michigan:

University of Michigan School of Dentistry, Ann Arbor – Provides adults and children discounted dental services for exams, cleanings, x-rays, fillings, crowns, dentures, bridges, implants, tooth whitening, cosmetic dentistry, veneers, periodontic (gum) treatment, TMJ/TMD, sleep apnea, root canal treatment, oral and reconstructive surgery, oral lesions and biopsies, extractions, orthodontic treatment and braces. Dental treatments can be performed by dental and dental hygiene students under direct faculty supervision, residents training for a graduate degree or board certification in their specialty, and faculty members at the University of Michigan that devote part of their time to patient care.

The University of Detroit Mercy School of Dentistry, Detroit – Provides a wide range of dental services that includes exams, cleanings, crowns (caps), fillings, bridges, dentures, x-rays, implant surgery, implant restoration, extractions, gum treatment, root canals and braces for both adults and children.

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.

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

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

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