Need dental work but can't afford it? Some of the more expensive types of dental work can include: laser whitening, root canals, dental implants, veneers and periodontal surgery. Most folks can't afford to pay that all in one lump sum payment. This is where a dental loan can help. Besides loans, there are also healthcare credit cards you can use, like Care Credit, which allow you to use them at participating dentists. If you need dental work, but can't afford it, research our expert guides below and compare your options to pay for your dental care.