BENEFITS

 

NO DISCOUNT FEES

 

We charge no fees per funded loan on non-promotional products. Our competitors usually charge 5-15%1 (if not more) whenever you fund a dental loan.

 

FINANCE AMOUNTS FROM $2,000 - $35,000

 

Prosper Healthcare Lending can provide access to financing for dental procedures up to $35,000 and terms go up to 60 months2.

 

 

A BETTER OPTION FOR YOUR CLIENTS

 

No prepayment penalties, longer terms out to 60 months2, and no retroactive interest.

 

 

FAST, EASY, & CONVENIENT PROCESS

 

Available from any device, 24/7.

 

NO INTEREST

 

0% interest plans3 available for well qualified borrowers.

 

 

PREMIUM ONLINE PROVIDER DASHBOARD

 

Real-time reporting, unlimited training, and unlimited support.

 

A NAME YOU CAN TRUST

We have over 1000 provider locations
Over 250,000 applicants have received over $3 Billion of loans through our lenders
Save over $2000 when you fund a loan with Prosper Healthcare Lending

Every time you fund a loan with one of our competitors, you pay 5-15% of the funding amount.

ELIGIBLE PROCEDURES?

Many individuals have dental insurance that will help cover multiple visits to the dentist each year.  However, for other, more expensive dental procedures such as veneers, root canals, TMJ treatment, and any additional dental surgery, the patient will likely have to pay out of pocket.  The cost of receiving treatment will often cause the patient to delay procedures, which can often make the situation worse.

Prosper Healthcare Lending’s mission is to make dental care affordable.  Our innovative dental financing platform allows those with limited funds to have options when it comes to receiving dental treatment. The loans provided are a healthy option with no pre-payment penalties or retroactive interest.  Not only is this a great opportunity for patients, but providers benefit from the platform as well.  Other patient financing companies typically charge the provider 5-15% to fund each loan, while PHL charges no fees per funded loan.  This service will help individuals nationwide afford the dental treatment they need.

Prosper Healthcare Lending provides access to orthodontic and dental loans for the following, but not limited to, treatments and procedures:

  • Veneers
  • Tooth Extractions
  • Crowns
  • Bridges
  • Braces
  • Invisalign
  • Periodontal Disease
  • Wisdom Teeth Removal
  • Root Canals
  • Dentures
  • Sleep Apnea
  • TMJ
  • Implants

 

 

1 Estimate based on analysis of practice fees charged by leading competitors on 11/24/2015. Actual practice fee savings may vary.

2 Annual percentage interest rates (APRs) for a standard 60 month loan range from 9.99% to 36.00%. A five year $10,000 loan with a rate of 9.99% APR would have 60 scheduled monthly payments of $213. Rate offered is based on income, credit score and history, and other factors. Actual rates may differ. All loans are made by WebBank, a Utah-chartered Industrial Bank.

3 Eligibility is not guaranteed and may vary by healthcare provider. Borrowers through Prosper receive one of 8 ratings ranging from AA to HR. Only borrowers rated AA or A will qualify for 12 months of 0 interest. Only borrowers rated AA to B will qualify for 6 months of 0 interest. If the loan is not paid in full prior to the expiration of the 0 interest period, interest will begin to accrue on the remaining balance. Post-promotional interest rates range from 15.99% APR to 36.00% APR and depend on credit score, term of promotional period and other factors. Average APRs over the full term of promotional loans range from 8.35% to 20.00%. All applicants will simultaneously be considered for traditional financing plans and will be presented all available offers.

Financing