Smile LoansCheck My Rate

The smart way to finance your brightest years.

Personal loans for dentists, hygienists, and dental assistants. Compare rates from 50+ lenders in 2 minutes. W-2 and 1099 income welcome. No credit impact.

Built for dental prosNo credit impact2-minute check1099 & W-2 income welcomeFunded as fast as next business day

Built for dental pros

Our lenders understand associate contracts, production-based pay, 1099 income, and the reality of a dental career.

Fast funding between patients

Check your rate from your phone in 2 minutes. Pick an offer. Funded as fast as the next business day.

No credit impact

We use a soft pull to check your rates. Your credit score stays exactly where it is.

How It Works

1

Pick your loan purpose

CE course, a new instrument, consolidating student debt, or life — tell us what it's for. Takes about 10 seconds.

2

See your rates

We check offers from 50+ lenders with a soft credit pull. Your score isn't affected. Clear numbers, no surprises.

3

Pick an offer and get funded

Choose the offer that fits your budget. Funds hit your account as fast as the next business day.

I wanted to get my implant CE done before year-end. Rates took two minutes to see and I had the course paid for by the weekend.

Dr. Priya S.

General dentist, Texas

Consolidated three credit cards into one fixed payment. Lower rate, simpler life, and I actually see progress every month now.

Jamie R.

Dental hygienist

Frequently Asked Questions

What is a personal loan?Toggle
A personal loan gives you a lump sum that you repay in equal monthly installments over a set term — typically 2 to 7 years. The rate is fixed, so your payment doesn't change. No collateral required.
Will checking my rate affect my credit score?Toggle
No. We use a soft credit pull to show you real rates. Your score isn't touched. A hard pull only happens if you pick an offer and formally apply with a lender.
How fast can I get funded?Toggle
Most lenders in our network can fund as fast as the next business day once you accept an offer and verify your info. Funds go directly to your bank account.
What rates should I expect?Toggle
Rates depend on your credit profile, loan amount, and term. Our network offers rates from 5.99% to 35.99% APR. You'll see your actual options before committing to anything.