Installment loans through iCreditWorks range from $500 to $20,000 and feature fixed rate APRs of 9.99% to 29.99% for treatment by affiliated (“In-Network”) dental providers. For treatment by non-affiliated (“Out-of-Network”) dental providers, installment loans through iCreditWorks range from $1,000 to $7,500, feature interest rates of 9.99% to 29.99%, and have a one-time, non-refundable origination fee of up to 3% added to the principal amount of the loan, which is funded through a single-use Virtual Card. Loan terms range from 12 to 60 months, and lowest rates require AutoPay. Funds are paid directly to the dental provider once your treatment plan has been approved and your treatment begins. For example, if you receive a $3,000 loan with a 36-month term and a 11.49% APR, when treatment begins your dental provider will be paid and you would have a required monthly payment of $98.91. Over the life of the loan, your payments would total $3,560.76. The APR on your loan may vary based on your credit profile. Actual loan rates may depend on credit score, income, credit usage, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying your loan early.
All applicants must be a legal resident in the U.S. and the age of majority in their state of residence. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms, and APRs may vary based upon a review of the applicant’s credit, financial condition, or other factors, including supporting documents or information provided.
iCreditWorks adheres to fair collections practices set by The Fair Debt Collection Practices Act (FDCPA). The FDCPA is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.