Dental Loan: Finance Dental Costs Easily

That is the central question around this loan: why would I even need a loan if health insurance steps in? The answer is uncomfortable: in Switzerland, mandatory basic insurance (KVG) practically does not cover dental treatments. Exceptions are acute toothache, inflammation or treatment after an accident, for everything else, from implants to braces to dentures, you pay yourself.

Supplementary dental insurance can cover up to 70% of the costs, but often has waiting periods, annual limits and exclusions for pre-existing dental problems. Many people don't have such insurance at all. This financing is often faster and more flexible here, especially if you don't want to postpone the treatment.

What influences your personal interest rate: permanent employees with a stable salary get the best terms, but self-employed individuals can also apply for a dental loan, the process just requires a bit more documentation, but the doors are open. Your credit history at ZEK also plays a role: no running loan and no open debt collection proceedings speak for a lower interest rate, a negative entry doesn't make financing impossible, but more expensive.

Term and amount also have an effect. Shorter terms often bring better interest rates, and if you can set the monthly installment a bit higher, you save on interest costs in the end. Instead of applying to bank after bank yourself and unnecessarily leaving traces in your creditworthiness, privatkredit.ch takes over this comparison for you, with a single, credit-neutral request.