How to Pay for Emergency Dental Treatment


Uh oh, you’ve woken up in the morning with a serious toothache. It’s too painful for you to eat, and you’re one of the 32% of Canadians without dental insurance. You know you need to visit a dentist, but how are you going to afford it?

You need to find some money quickly. When you’re in a rush, there are a few things you can do. Our financial experts at Kingcash are here to help.

Read on to learn all about your options when you need emergency dental treatment.

Ask About Payment Plans

Dentists often understand that their services are expensive. Because they don’t accept traditional healthcare plans, people have to go out of their way to get dental insurance. Dental insurance may not cover emergencies (at least not completely), and many people don’t have dental insurance at all.

Dentists want to help. Some dentists may offer a sliding scale system that will make their services (yes, even emergency services) more affordable to people who make less money. 

Other dentists may have payment plans available. Instead of paying for your emergency dental care all at once, you can pay it over time. If this option is available to you, it’s a good idea to take it. 

You’ll be able to get the care you need without having to pay everything upfront. This is a good option for anyone who needs care immediately, but won’t be paid until later that week. 

Look for Loyalty Programs

Some dentists also offer loyalty programs. Again, this isn’t something that every dentist will do, and many don’t advertise it openly. It never hurts to ask and the worst that they can say is “no.”

Dental loyalty programs exist because of the separation of health insurance and dental insurance. Because many people don’t go out of their way to purchase separate dental insurance, they aren’t covered when they need care. Loyalty programs help with that.

Patients can pay a set amount of money every year (or every month, depending on the plan) and that will give them either free or discounted dental services (again, depending on the plan). Generally speaking, a loyalty plan won’t make emergency dental care free because it can be quite expensive upfront, but it can significantly reduce the cost and make it more accessible. 

So, while you’ll still need to find money to make up the difference, you won’t have to worry quite as much about high costs.

Ask for a Paycheck Advance 

While it’s not as common anymore, some employers will allow you to take a paycheck advance. This means that you’re taking money from your future paycheck and using it now.

Employers with tight margins may not be able to do this, so if you work for a small business or in food service, a paycheck advance may not be an option for you. Again, however, it doesn’t hurt to ask. 

Remember that you’ll need to budget for the paycheck advance. Make sure you make a note to yourself that you won’t be receiving that money in your next paycheck anymore and make any adjustments accordingly. If you’re tight on cash and not great at budgeting, this may not be the best option for you. 

Pick Up Some Side Work

If you’re low on cash and you have the capacity to do so, consider taking some side work or taking on more hours at your current job. This isn’t going to be fun, especially if you’re dealing with or healing from an emergency dental issue, but it’s a quick way to offset some of the costs of care. 

You may be able to do some online work if you’re stuck at home while you’re healing, or you can see if anyone needs some odd jobs taken care of. You could also sell some of your belongings if you’re in a serious pinch. 

This is best used in conjunction with another option as it’s difficult to make enough money for emergency dental care with side work alone unless you’re very lucky. 

Take Out a Fast Loan at Kingcash

Fast no credit check loans are quick and easy. Getting fast loans in Canada will help you pay for your emergency dental care if you don’t have dental insurance or if your insurance isn’t sufficient to cover your procedure. 

At, you can easily apply for online loans and get your money quickly. First-time clients can apply for a loan of up to $500, which should pay for at least a significant portion of your emergency dental care. 

Put It on Your Credit Card

What if you still don’t have enough money to cover your care even after taking on extra work or getting a loan? You may have to put your emergency dental care on your credit card.

Be careful if you do this. You need to know that you’re able to pay it off at the end of the month so you don’t do too much damage to your credit. Your credit score is important and you don’t want to risk it if you don’t have to. 

Use These Tips to Pay for Emergency Dental Treatment

Emergency dental treatment can be seriously expensive, but these tips should help you cover the high cost of care. Mix and match them until you have enough money to get the treatment you need so you don’t have to be in pain.

At Kingcash, we offer fast loans of up to $500 for new customers (and even higher for established customers). If you’re in need of a fast loan, claim your cash today.

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