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Date Published: May 26, 2026 (Updated October 1, 2026)
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A cracked tooth or a sudden abscess rarely waits for payday. A dental loan from iCash gives you up to $1,500 to pay for an urgent extraction, root canal, filling or crown, sent by Interac e-Transfer® in about 2 minutes once approved. It costs $14 per $100 borrowed, with no hidden fees. Apply 24/7 as part of our emergency loans service.
TL;DR
About dental loans in Canada: Dental financing in Canada covers short-term personal borrowing used to pay for procedures not fully covered by insurance or provincial health plans. iCash offers from $100 to $1,500 at $14 per $100 borrowed, funded by e-Transfer approximately two minutes after approval. Loans are available 24/7 in Ontario, British Columbia, Alberta, Manitoba, New Brunswick, and Nova Scotia.
A dental loan is a short-term personal borrowing option used to pay for procedures that aren't fully covered by provincial health plans or insurance. Often, these funds go toward services like root canals, crowns, bridges, dentures, fillings, wisdom teeth removal, orthodontics, implants, and emergency extractions.
With iCash, it works as a single-repayment arrangement: borrow what you need now and repay the full amount on your next pay date by pre-authorized debit. There are no rollovers and no compounding charges. If insurance covers part of the procedure, the financing covers the gap. If you have no coverage, it can cover the full cost up to $1,500.
Repayment depends on your province:
Most provinces:
repay the full amount on your next pay date
Alberta:
loans run 42 to 62 days, repaid in 2 to 7 instalments based on how often you're paid.
Ontario:
one repayment, unless it's your third loan within 63 days, which can be repaid in instalments.
There are no rollovers. The total you owe is set when you accept the offer, and it doesn't grow.
The borrowing rate at iCash is $14 per $100, the maximum regulated rate in most provinces where we operate. There are no hidden fees, no subscription, and no late charges in the contract. The full amount you owe is locked in when you accept the offer.
Here's what it will cost:
Loan Amount | Fee ($14 per $100) | Total Repayment |
$300 | $42 | $342 |
$500 | $70 | $570 |
$1,000 | $140 | $1,140 |
$1,500 | $210 | $1,710 |
"For example, a $500 loan repaid in 14 days has a fee of $70 and an APR of 365%. APR is calculated as if the amount were held for a full year; the actual dollar cost over the 14-day term is $70."
See How Much I Can Borrow | Calculate Your Loan Cost
A $1,500 dental loan covers most single emergency visits in full, but only part of major work like implants. The ranges below come from 2025–2026 provincial suggested-fee guides and vary by province and clinic.
Procedure | Typical fee in Canada | Covered by up to $1,500? | iCash fee to borrow the top of the range |
Emergency exam | 100–300 | Yes | $42 on $300 |
Simple extraction | 145–218 | Yes | $31 on $218 |
Surgical extraction | 250–500 | Yes | $70 on $500 |
Full emergency visit (exam, X-ray, extraction) | 300–900 | Yes | $126 on $900 |
Molar root canal | 900–1,579 | Usually; the top of the range may exceed it | $210 on $1,500 |
Ceramic crown | 910–1,449, plus lab fees | Often, depending on lab fees | $203 on $1,449 |
Root canal plus crown | About $2,344 on average | Part of the bill | $210 on $1,500 |
Single implant, complete | 3,000–6,100 | A deposit only | $210 on $1,500 |
Ontario usually has the highest suggested fees in Canada. Ask your clinic for a written estimate with fee codes before you borrow, so you take only what you need. Sources: Real Dental Costs fee-guide data and emergency dental costs, reviewed June 2026.
People searching for affordable dental work in Canada generally choose between clinic payment plans, cards, bank options, and short-term online financing. Each person will need to review these options to find the right fit, based on the size of the bill and how quickly they need access to funds.
Option | Speed | Approval criteria | Trade-off |
Clinic payment plan | Same day to a few days | Set by individual clinic | Tied to one provider; not all clinics offer it |
Credit card | Immediate if you have available credit | Already-issued limit | Revolving interest if not paid off quickly |
Personal or installment loan | 1 to 5 business days | Bank credit assessment | Slower; longer commitment |
iCash short-term loan | 2 minutes by Interac e-Transfer once approved | Income and banking history | Repaid in one payment on your next pay date |
The iCash advantage is timing. The application is open 24 hours a day, including weekends and holidays, which matters for an after-hours emergency extraction or a Saturday-morning abscess. Funds arrive via Interac e-Transfer about two minutes after approval and go to you rather than the clinic, so you're free to take the money to whichever dentist can see you fastest.
Getting an online loan with us is fast and easy. Simply select your loan amount, repayment plan* and provide some personal details.
Our online loan application will tell you instantly if you've been approved. Once approved, electronically sign your loan agreement and you're all set! It's that easy!
After signing your digital agreement, your funds will be sent by Interac e-Transfer within 2 minutes, 24/7. Our loans are fast, convenient, and hassle-free.
No, not necessarily. A check is performed on your first application, but we only do so for verification purposes, and all returning customers are exempt from additional checks when applying for a new loan.
We don't believe you should be judged based solely on your score. Instead, we assess applications on income stability and banking history, with no stated minimum credit score. Approval rates are high for applicants with steady income, including those with thin credit files or past missed payments.
There are six big reasons customers choose us for short-notice dental bills:
No hidden fees: $14 per $100 borrowed. No subscription, no express transfer fee, no tip prompt.
Instant decision: Most decisions land in under 90 seconds, with no callback needed.
Interac e-Transfer in 2 minutes: Once you accept the offer, funds usually arrive within two minutes.
Open 24/7, including weekends: The application runs every day of the year, around the clock.
No documents required: No faxed pay stubs, no scanned bank statements. Verification is automated.
Up to 12% cashback on repayment: Repay on time and earn cashback on future loans through our loyalty program.
We’re licensed and regulated in Ontario, British Columbia, Alberta, Manitoba, New Brunswick, Nova Scotia and PEI.
Since 2016, we've helped over 1.6 millions Canadians get instant loans online.
Since 2016, we've helped over 1.6 millions Canadians get instant loans online.
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