There's a Better Way Than Borrowing
A $5,000 implant financed at 26.99% APR costs you $6,500-8,500. The same implant at a verified clinic in Mexico costs $890-1,500. No loan. No interest. No monthly payments.
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What a single dental implant actually costs you — with financing vs. paying out-of-pocket in Mexico.
The interest alone on a US financing plan ($1,200-3,500) is often more than the entire implant costs in Mexico ($890-1,500).
Every financing option has fine print. Here's what each one actually costs you on a $4,000 implant.
Offers 0% interest for 6-24 months. Sounds good — until you read the fine print. If you don't pay the full balance before the promo period ends, interest is charged retroactively from day one. On a $4,000 implant with a 12-month promo, that's $1,080 in deferred interest if you're even one dollar short.
Personal loans through Lending Club, SoFi, or your bank. Interest rates depend heavily on credit score. Good credit (720+) might get 8-12%. Fair credit (650-719) gets 15-20%. Poor credit (below 650) gets 25-36% — if you're approved at all. Origination fees of 3-8% add to the cost.
Some dental offices offer in-house payment plans — typically 0% interest split over 6-12 months. The catch: you're still paying $3,000-5,000 total for the implant, just in installments. And not all offices offer this — it depends on the practice. Monthly payments of $300-800+ can still strain a tight budget.
University dental programs offer discounted implants ($1,500-3,000) because students perform the procedure under faculty supervision. The downsides: long waitlists (6-18 months), extended appointment times (procedures take 2-3x longer), limited scheduling flexibility, and your case must meet their educational criteria. Not everyone qualifies.
Same Nobel Biocare and Straumann implants at verified clinics in Mexico. No financing, no credit check, no monthly payments. You pay less out of pocket than you'd pay in interest alone on most US financing plans. Experienced dentists (many US/European-trained), HIPAA-compliant records, and follow-up care coordinated near your home.
At these prices, you don't need a payment plan. You need a plane ticket — or just a short drive to the border.
| Procedure | US Price | US + Financing | Mexico Price |
|---|---|---|---|
| Single Implant | $3,000-5,000 | $4,200-8,500 | $890-1,500 |
| All-on-4 (full arch) | $20,000-40,000 | $28,000-68,000 | $6,000-12,000 |
| Implant-Supported Denture | $15,000-25,000 | $21,000-42,500 | $5,000-10,000 |
| Porcelain Crown | $1,000-2,000 | $1,400-3,400 | $300-600 |
| Full Mouth Restoration | $30,000-50,000 | $42,000-85,000 | $10,000-20,000 |
Instead of filling out financing forms, you fill out one short questionnaire and get exact pricing.
Share photos, X-rays, or a description of what you need. Takes 5 minutes from your couch. No credit check, no financial documents — just your dental situation.
Within 24-48 hours, receive a treatment plan with exact pricing from verified clinics. Compare it to your US quote and your financing terms. The math speaks for itself.
We coordinate logistics. Border towns are a short drive from Arizona. Pay once at the clinic. No monthly statements. No interest. HIPAA-compliant records for your US dentist.
You're not cutting corners. You're cutting out the overhead that makes US dental care unaffordable.
Nobel Biocare, Straumann, BioHorizons — the exact same FDA-approved brands your US dentist uses. Manufactured globally, placed by experienced specialists. You can verify the brand and lot number in your patient portal.
Every partner clinic is vetted for credentials, sterilization protocols, implant brands, and patient outcomes. Many dentists trained in the US or Europe. No unverified listings, no random clinics.
Your X-rays, treatment notes, and implant specifications are stored in a secure patient portal. Your US dentist can access exactly what was done for follow-up care.
Before you travel, we connect you with a dentist near your home for post-treatment checkups. Your care continues after you return — no gaps, no scrambling to find a provider.
Do your research. We've published everything you need to make an informed decision.
Complete guide to getting dental implants at verified clinics in Mexico. Pricing, process, and what to expect.
Why US implants are so expensive and how Mexico clinics offer the same quality at 60-70% less.
Medicare doesn't cover implants. How seniors on fixed incomes save 60-70% at verified clinics in Mexico.
Practical options when you don't have dental insurance — including HSA/FSA strategies and Mexico pricing.
Detailed side-by-side pricing for implants, crowns, All-on-4, and more procedures.
Upload your case and get exact pricing from verified clinics. No commitment, no pressure — just the number you need.
Honest answers about dental implant financing, payment plans, and why Mexico might be a better option than a loan.
You can, but it's expensive. Most dental financing companies (CareCredit, Lending Club, Proceed Finance) approve applicants with credit scores as low as 580-600, but at APRs of 20-27%. On a $5,000 implant, that means $1,500-3,500 in interest over 3-5 years. A better option: skip the loan entirely. A dental implant in Mexico costs $890-1,500 at a verified clinic — less than what you'd pay in interest alone on a US financing plan. No credit check needed because there's no loan.
CareCredit offers a 0% promotional period (typically 6-24 months), but if you don't pay the full balance before it expires, interest is charged retroactively at 26.99% APR from the original purchase date. On a $5,000 implant, that's $1,350+ in deferred interest that hits all at once. For many patients, the promotional period isn't long enough to pay off the full amount. A single implant in Mexico costs $890-1,500 — you could pay cash for the procedure and still save thousands compared to CareCredit.
Some US financing programs advertise 'no money down,' but that just means you're financing the entire amount — plus interest. A $5,000 implant at 15-27% APR with no money down means $6,500-8,500 total cost over the loan term. In Mexico, you don't need financing at all. A single implant costs $890-1,500 out of pocket. Many patients save up for a few months and pay cash — no loan application, no credit check, no monthly payments, no interest.
In the US, dental implant payment plans typically fall into three categories: in-house financing through your dentist (often 0% but limited to 12 months), CareCredit or similar medical credit cards (0% promo then 26.99% APR), and personal loans through banks or credit unions (7-15% APR with good credit). The best 'payment plan' might be no plan at all — pay $890-1,500 for the same implant at a verified clinic in Mexico instead of $3,000-5,000 plus interest in the US.
A single dental implant in the US costs $3,000-5,000 before financing. With CareCredit at 26.99% APR over 48 months, a $4,000 implant becomes approximately $5,800. With a personal loan at 15% APR over 36 months, it becomes approximately $5,000. With Lending Club at 20% APR over 48 months, it becomes approximately $5,900. In Mexico, the same implant (Nobel Biocare or Straumann) costs $890-1,500 total. Even adding $200-500 for travel, you pay less than the interest alone on most US financing plans.
Yes — and you should. Dental implants are a qualified medical expense under IRS rules, whether the treatment is performed in the US or Mexico. You can use HSA (Health Savings Account) or FSA (Flexible Spending Account) funds to pay for implants, crowns, and related procedures in Mexico. At $890-1,500 per implant in Mexico vs $3,000-5,000 in the US, your HSA/FSA dollars go 2-3x further. We provide detailed receipts and treatment documentation through your HIPAA-compliant patient portal for your records.
At verified clinics, yes. Our partner clinics use the same implant brands US dentists use (Nobel Biocare, Straumann, BioHorizons), follow equivalent sterilization protocols, and many dentists trained in the US or Europe. You receive a full treatment plan before you travel, your records are stored in a HIPAA-compliant portal, and we coordinate follow-up care with a dentist near you. The price difference comes from lower overhead costs in Mexico — not lower quality. Over 1 million Americans travel to Mexico for dental care each year.
Still weighing your options? Get a free treatment plan and compare real numbers for your specific case.
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