Dental financing: how the credit analysis for dental treatment works

Dental financing is the set of possibilities for paying for a dental treatment gradually, instead of all at once. CredOdonto organizes the dental credit analysis application: you provide your information, learn about the possibilities available for your profile and, if approved, you can start treatment without having to save up the full amount first.

CredOdonto acts as an intermediary for the credit analysis request. Approval, amounts, rates, terms and other conditions depend on the individual analysis and on the conditions presented by the partners responsible for the operation.

Simulate my dental financingUnderstand how it works

Who dental financing is for

Dental financing is an alternative for anyone who needs to pay for a dental treatment in installments, from a simple restoration to a more extensive treatment, always subject to the individual analysis of each application.

Comparison

Traditional bank financing, credit card or dental credit analysis?

There are different ways to pay for a dental treatment in installments. Here's a general overview of how each one usually works, without citing rates or numbers, since they vary depending on the institution, the profile and the timing of each application.

  • Traditional bank financing

    Applied for directly at a bank or financial institution, usually with the institution's own credit analysis and a specific financing agreement.

  • Installments on a credit card

    Installments processed directly on the clinic's card machine or on the patient's card, subject to the available limit and the card's own conditions.

  • Dental credit analysis via CredOdonto

    An application organized specifically for dental treatments, presenting the possibilities evaluated by the partners responsible for the operation, without requiring a credit card or a prior limit. Approved installments are charged via boleto or PIX.

See the specific credit option for your treatment:

How it works

  1. Budget

    You receive or provide the budget for your dental treatment.

  2. Online application

    You fill out the credit analysis application on the website, in a few minutes.

  3. Analysis

    The application goes through individual analysis.

  4. Proposal

    If a proposal exists, you review the amounts and conditions presented.

  5. Decision

    You decide whether you want to move forward with the proposal presented.

  6. Treatment

    After formalization, treatment can begin according to the agreed conditions.

Financing, loan or dental credit?

Many people use "financing", "loan" and "dental credit" as synonyms in everyday language. In practice, the concrete possibilities may vary depending on the patient's profile, the treatment amount and the available conditions. CredOdonto organizes the analysis application and presents the applicable possibilities, without guaranteeing approval or conditions in advance.

Can I apply for dental financing if I have a credit restriction?

Having a restriction on your CPF does not mean automatic approval or automatic denial. Each application is evaluated individually, considering the criteria applicable to the analysis. Filling out the form does not guarantee that credit will be granted.

What I need to apply for dental financing

The online application only asks for the information below and takes just a few minutes.

  • Full name
  • CPF (Brazilian tax ID)
  • Date of birth
  • Phone number with area code
  • Email
  • Approximate monthly income
  • Amount you intend to finance
  • Desired installment amount
Simulate my dental financing

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Your data is handled according to our Privacy Policy and Brazil's General Data Protection Law (LGPD), used to enable the analysis of your application and the treatment process, as detailed in our Privacy Policy.

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Answers about dental financing

What is dental financing and how does it work?

It's the possibility of paying for a dental treatment in installments instead of all at once. You apply for the credit analysis by providing your information and the treatment budget, and learn about the possibilities available for your profile.

Is dental financing the same thing as a loan?

The terms are used similarly in everyday language, but the concrete possibilities can vary. CredOdonto organizes the analysis application and presents the conditions applicable to your case, without guaranteeing approval in advance.

Is there financing specific to each type of treatment?

Yes, CredOdonto has specific application pages for some treatments, such as implants, prostheses, orthodontic braces and root canal treatment, in addition to the general analysis for any dental treatment.

Which treatments can I finance?

The application can be made for different dental treatments, such as implants, prostheses, orthodontic braces, root canal treatment, restorations and others indicated by your clinic, always subject to individual analysis.

Do I need a guarantor or co-signer?

A guarantor or co-signer is not requested when filling out the credit analysis. Applicable conditions, if there is a proposal, are presented during the process.

Does the clinic need to be a partner for me to finance the treatment?

You can provide the budget from the office or clinic of your choice in the application. The clinic does not need to be a partner for you to apply for the analysis.

Discover how to finance your dental treatment

Submit your application online and discover which dental financing possibilities may be available for your case.

Apply for credit analysis