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A dental bridge fills any gaps in your smile by replacing one or more missing teeth with artificial ones. If your dentist recommends this procedure to you, one question you may have is, “What is the cost for dental bridges?” A bridge can range in price from $1,500 to $15,000, depending on the type you need, the material it’s made of, and your insurance.

Read on to learn more about the cost for dental bridges, factors that can impact the overall price, and ways to pay for the procedure whether or not you have insurance.

What Is a Dental Bridge?

A dental bridge is a permanent fixture of a false tooth or teeth — also called pontics — that are held up by your existing teeth and placed on an empty socket. Existing teeth serve as an anchor to keep your bridge in place. In many cases, the false teeth blend seamlessly with your natural teeth and may be made of ceramic, porcelain, zirconium, or composites.

Types of Dental Bridges

There are four main types of dental bridges: traditional, cantilever, Maryland, and implant-supported.

•  Traditional: A traditional dental bridge includes false teeth held in place by dental crowns cemented to two “support” teeth, also called “abutment” teeth.

•  Cantilever: In a cantilever dental bridge, a dental crown cements the pontic to just one abutment tooth.

•  Maryland: Like a traditional dental bridge, a Maryland dental bridge requires two abutment teeth. In this case, a metal or porcelain framework bonds to the backs of those two abutment teeth.

•  Implant-supported: Implant-supported bridges use dental implants to replace missing teeth and hold the bridge in position. Dentists install a titanium post in your jawbone to form a “root” of a new tooth, which anchors a crown on top of the implant post. Implants last longer than dental bridges because bridges can loosen over time. They don’t require support from adjacent teeth. Note that implants require two surgeries — one for the small titanium jawbone implants and one to place the bridge.

Your dentist can recommend the dental bridge type that’s right for you.

What Are the Requirements for Getting a Dental Bridge?

Good candidates for dental bridges include individuals who have one or more missing teeth and two strong, healthy teeth on either side of the gap. Bridges can replace up to four consecutive teeth, but longer bridges usually need more support.

You must also have good oral hygiene habits and good overall health. People with certain diseases, including cancer and diabetes, may not be a good candidate for a dental bridge.

How Much Does A Dental Bridge Cost?

A dental bridge typically costs between $1,500 to $5,000, depending on the number of false teeth you need, the type of bridge, the material it’s made of, how difficult the bridge is to place, the dental procedures required, and insurance.

How Much Does A Dental Bridge Cost Without Insurance?

Some dental insurance plans will cover a portion of the costs associated with dental bridges. But how much should you expect to pay if you don’t have insurance? As the list below shows, prices can vary based on the type of dental bridge you receive:

•  Traditional bridges: Costs can range between $2,000 and $5,000.

•  Cantilever bridges: Costs can range between $2,000 and $5,000.

•  Maryland bridges: Costs can range between $1,500 and $2,500.

•  Implant-supported bridges: Costs can range between $5,000 and $15,000.

Recommended: 8 Smart Tips to Finance Expensive Dental Work

What Impacts the Cost of a Dental Bridge?

The type of dental bridge you receive isn’t the only thing that can influence cost. Other factors that may impact your total bill include materials, dental fees, and even where you live. Here’s a closer look at each.

Materials

Dental bridges usually are often made of porcelain, ceramics, zirconium, and composites, and these materials can affect price. For instance, you may pay more for an all-porcelain bridge compared to a metal or one that is porcelain fused.

Dental Fees

Dental fees will vary depending on the dentist. It’s a good idea to get a full list of dental fees before you agree to the procedure so you know how much you’ll pay and when payments are due.

Location

The price of a dental bridge will likely vary based on where you’re having it installed. For example, you may end up paying more for the procedure if your dentist is in a big city compared to a rural area.

What Other Costs Accompany a Dental Bridge?

Getting a dental bridge doesn’t happen in just one visit — you’ll likely have to visit the dentist multiple times. The dentist will make imprints of the teeth. Once a lab creates the bridge, you’ll need a second appointment with the dentist so he or she can put crowns on your abutment teeth and link them. You’ll also want to factor in the cost of other dental services and treatments.

Common fees may include:

•  Oral exam: On average, between $50 and $200

•  Dental X-rays: On average, between $25 and $50

•  Tooth extraction: On average, between $50 and $500

•  Local anesthesia: On average, between $40 and $150

•  Professional cleaning: On average, between $70 and $250

Recommended: How Much Does a Root Canal Cost?

Does Insurance Cover a Dental Bridge?

Dental bridges are not considered a wholly cosmetic treatment, so dental insurance policies usually cover a portion of the cost. Dental coverage varies, so it’s important to find out what your insurance will cover. In general, most insurance policies take care of 40% to 50% of the dental bridge costs.

How Can You Pay for A Dental Bridge Without Insurance?

If you know you’re going to have the procedure in advance and don’t have insurance, you’ll likely want to look for ways to keep costs in check. Consider finding out if there are discounts for paying in cash or asking your dentist whether some parts of the procedure (such as pricier materials) are really necessary.

If you don’t have enough money up front, your dentist may allow you to set up a payment plan to break up the cost of your dental bridge. However, note that you may be charged interest.

Recommended: Exploring the Pros and Cons of Personal Loans

Dental Bridge Alternatives

Not sure a dental bridge is right for you? There are alternatives you can consider, such as partial dentures or removable false teeth.

Dentures are held in place by a metal framework attached to plastic that’s the color of your gums. Partial dentures fasten to teeth in the jaw. However, they may not be as structurally sound as bridges, and you must remove and soak them nightly.

Financing Options If You Don’t Have Dental Insurance

What are your options for paying for a dental bridge if you don’t have dental insurance? You can look into using a credit card, getting approved for a personal loan, or tapping into a health savings account (HSA).

•  Credit card: You can consider paying for your dental bridge with a credit card, but keep in mind that the interest rate for a credit card tends to be high. For best results, you’ll want to pay off your balance as quickly as possible.

•  Personal loan: Personal loans likely won’t carry as high of an interest rate as a credit card, especially if you have decent credit. Have a low credit score? There are also personal loans for low-credit borrowers. You can use personal loan funds for a wide variety of purposes, and you can pay back what you owe in fixed payments over a few years.

•  Health savings account: Consider using an HSA or if you’re on a high-deductible health plan. You can save for a wide variety of health care needs and pay for them tax-free with a health savings account. If you no longer have a high deductible plan, you can still use up the money you have in your health savings account. Learn more about FSA vs. HSA.

Recommended: A Guide to Unsecured Personal Loans

The Takeaway

Dental bridges aren’t cheap. They run anywhere from $1,500 to $15,000, depending on the type of bridge you need, its material, and other factors. While a bill that size can put a dent in your budget, it’s possible to put together a plan to refurbish your smile. Talk to your dentist about the costs involved, what the procedure will entail, and any follow-up visits or services that will be needed. Consider all your financing options, such as using a health savings account and/or taking out a personal loan.

Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. See your rate in minutes.

FAQ

Can the cost of a dental bridge vary between dental providers?

Yes, the cost of a dental bridge can vary between dental providers. The costs may vary depending on your dentist’s experience level. Experienced dentists cost more than dentists fresh out of dental school. Also, location and cost of living can play a role in the price.

Are there additional costs associated with getting a dental bridge, such as consultations or follow-up visits?

It will take more than one visit to the dentist to get a bridge, and services will likely include an oral exam and X-rays. You may need one or more follow-up visits to ensure the bridge fits in your mouth properly and isn’t causing irritation or other problems. Check with your dentist to learn more about the costs of these follow-up visits.

Are there any long-term costs associated with maintaining a dental bridge?

Dental bridges typically last five to 15 years, though some can last longer with proper care and maintenance. You’ll eventually need to replace the bridge when it shows signs of damage.

Should I consult with multiple dental providers to compare costs before getting a dental bridge without insurance?

Whether or not you have insurance, you can consult dental providers to compare the cost for a dental bridge. (Remember, even if you have insurance, it probably won’t cover the full cost of the procedure.) Ask each provider for the full set of fees. Be specific about asking for tooth bridge costs, and be sure to include the cost of visits to the dentist before and after the procedure.

About the author

Melissa Brock

Melissa Brock is a higher education and personal finance expert with more than a decade of experience writing online content. She spent 12 years in college admission prior to switching to full-time freelance writing and editing. Read full bio.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SOPL-Q425-042

You’ve probably heard that life is too short to spend time on unfulfilling work. While any job can be rewarding, some are inherently better than others. If you need to make a change — and you’re looking for something more fulfilling than a paycheck — we have some ideas.

First we’ll consider the criteria that make a job rewarding, before jumping into our curated list of the most rewarding jobs in America.

Rewarding Jobs, Defined

What exactly is a rewarding job? After all, everyone will define a rewarding job differently. Some folks enjoy being around people, while others appreciate the ability to deeply engage in work alone. Some people are looking specifically for work-at-home gigs, while others are searching for the highest paying jobs.

We think that a rewarding career should help you feel accomplished and fulfilled. We break down additional elements below.

Common Characteristics of Rewarding Jobs

The Urban Institute, a nonprofit research organization dedicated to advancing upward mobility and equity with research and data, lists five key factors of a good job.

•   Livable wages. Earning a livable wage means you earn enough money to cover your basic needs. It’s tied to your health, financial security, and even your children’s success. Livable wages make you feel secure. Rewarding jobs should offer a good entry-level salary, and then…

•   Upward mobility and growth opportunities. Rewarding jobs allow workers to build on their skills and further their careers. More-experienced workers can feel satisfied knowing they receive competitive pay.

•   Workplace flexibility and schedule control. Some 22.9% of the U.S. workforce works remotely, according to data from the U.S. Bureau of Labor Statistics (BLS). And 60% of employees would look for a new job if they weren’t offered hybrid or remote work options, according to Gallup.

•   Benefits. Benefits such as health insurance, paid leave, and retirement plans contribute to a worker’s productivity as well as their health and well-being. Jobs with benefits help create a rewarding environment.

•   Working conditions and safety. For a job to be rewarding, a safe environment is essential.

Recommended: Benefits of Working From Home for Employees

21 Most Rewarding Jobs in America for 2025

There are many jobs that have some or all of these characteristics. Below are 21 jobs that rated very high in a PayScale survey on job satisfaction. All salary figures are from BLS data.

1. Kindergarten Teacher

National average salary: $67,020

Job satisfaction rate: 91%

Job description: Some of the most rewarding jobs are jobs helping people. While a career in education doesn’t usually add a lot of zeroes to your bank account, it’s incredibly rewarding to help kids and adults improve their skills and confidence through education. It can also be one of those jobs that pay off student loans through the Public Student Loan Forgiveness (PSLF) program.

2. Postsecondary English Language and Literature Teacher

National average salary: $94,470

Job satisfaction rate: 96%

Job description: These academic pros instruct and mentor students after high school. Until you reach professor status, check out our list of the best on-campus jobs.

3. Clergy

National average salary: $67,160

Job satisfaction rate: 98%

Job description: Conduct religious services and direct activities to support worship of a spiritual nature.

4. Surgeon

National average salary: $371,280

Job satisfaction rate: 96%

Job description: Diagnose and treat injuries and illness with surgical procedures. With a salary well into the six figures, this is one of the highest paying jobs on our list.

5. Family and General Practitioner

National average salary: $256,830

Job satisfaction rate: 90%

Job description: Provide preventative care to patients and refer them to specialists for further care.

6. Music Director and Composer

National average salary: $84,230

Job satisfaction rate: 80%

Job description: Lead musical performances; write and record music.

7. Epidemiologist

National average salary: $94,160

Job satisfaction rate: 77%

Job description: Investigate the course of a disease to protect public health. Help provide community education and public policy for diseases.

8. Physician Assistant

National average salary: $136,900

Job satisfaction rate: 78%

Job description: Treats patients under the supervision of a doctor. This role is one step below doctor and a step above nurse — similar to a nurse practitioner.

9. Anesthesiologist

National average salary: $336,640

Job satisfaction rate: 83%

Job description: Administer and manage patient pain before, during, and after surgery. (We wonder if people who make this much would benefit from a good spending app.)

10. Speech-Language Pathologist

National average salary: $95,840

Job satisfaction rate: 79%

Job description: Evaluate and treat patients who have speech and language disorders.

11. Pediatrician

National average salary: $222,340

Job satisfaction rate: 89%

Job description: Provide preventative and diagnostic medical care for children.

12. Psychiatrist

National average salary: $269,120

Job satisfaction rate: 85%

Job description: Primary mental health care providers who diagnose and treat patients.

13. Firefighter

National average salary: $63,890

Job satisfaction rate: 83%

Job description: Firefighters manage and extinguish fires to protect life and property. They also respond to other emergencies.

Recommended: The 10 Most Satisfying Jobs You Can Get in America Without a Degree

14. Education Administrator

National average salary: $100,720

Job satisfaction rate: 88%

Job description: Education administrators are responsible for the direction and implementation of school-related activities. They may hire staff, plan academic programs, attend meetings, and stay on top of any number of initiatives.

15. Dentist

National average salary: $196,100

Job satisfaction rate: 82%

Job description: Treat patients to prevent and repair tooth decay and oral health.

16. Forester

National average salary: $70,680

Job satisfaction rate: 85%

Job description: Foresters maintain the health of a forested ecosystem. They may track types and amounts of standing timber, plant new trees, and determine which trees need to be cut.

17. Cartographer and Photogrammetrist

National average salary: $82,860

Job satisfaction rate: 97%

Job description: Create digital and physical maps and charts from geographic data.

18. Rotary Drill Operator, Oil and Gas

National average salary: $70,080

Job satisfaction rate: 93%

Job description: Rotary drill operators control large-scale machines that extract oil and gas from the earth. It’s one of the few jobs that don’t require college on this list.

19. Emergency Management Director

National average salary: $97,700

Job satisfaction rate: 86%

Job description: Develop and implement plans in the event of an emergency, such as a natural disaster. Coordinate with local authorities and help lead when an event occurs.

20. Physicist

National average salary: $166,000

Job satisfaction rate: 77%

Job description: Study matter and energy. May develop scientific theories, conduct experiments, develop software, write papers, and present research at conferences.

21. Librarian

National average salary: $69,180

Job satisfaction rate: 81%

Job description: Help people find information in a library. Organize materials and create programs for public education. Although interaction with the public is a key part of this role, it still seems like the ultimate job for introverts.

The Takeaway

Whether you’re in the right job or looking for a new path, it’s helpful to know that some well-paying jobs are among the most rewarding. Our list was compiled with salary data from the Bureau for Labor Statistics and job satisfaction data provided by PayScale. The medical field has a strong presence, as does education. Some less-expected rewarding jobs include music director, cartographer, clergy, and forester. Clergy have the highest job satisfaction on our list (who knew?), while anesthesiologists pull the highest salary.

Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

FAQ

What is the highest-paying job in 2025?

Physicians and other medical professionals dominate the BLS data of the highest-paying occupations, with an average salary over $239,200 per year.

What is the happiest career in the US?

Job satisfaction is individual. While one person may feel happy teaching, another may despise it.. A happy career is one that suits your personality, values, and lifestyle.

Which jobs are in most demand in the US?

Jobs in the medical field are in high demand and pay well. According to the BLS, wind turbine service technicians experienced the highest growth rate in 2024, with median pay over $62,580. Nurse practitioners are also in high demand; median pay is $129,210.

Photo credit: iStock/Delmaine Donson

SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

SORL-Q425-026

Monthly payments on a $100,000 mortgage could range from $600 to around $1,000, depending on the loan’s interest rate, term, and other factors. But it’s also important to think about how much borrowing $100,000 will cost you over time, and to pay attention to all your costs as you move forward with your home purchase. Some costs may be negotiable, and a little comparison shopping could help you save. Read on for a breakdown of what the costs related to borrowing $100,000 might be.

What Will a $100,000 Mortgage Cost?

There are several different expenses you can expect to encounter when taking out a mortgage. Most of the time, they can be divided into three main categories.

Closing Costs

Closing costs, which you’ll pay upfront, typically include loan processing fees, third-party services such as appraisals and title insurance, and government fees and taxes. You also may choose to pay mortgage points (also known as discount points) on your loan to lower the interest rate. Closing costs can vary significantly, but they generally range from 3% to 6% of the loan amount.

Monthly Payments

Monthly mortgage payments, which are paid over the life of your loan, usually include two primary components:

•   Principal: This is the portion of your mortgage payment that goes directly toward paying back the amount you borrowed.

•   Interest: This is the amount the lender charges you for borrowing money. The amount of interest you pay each month will be calculated by multiplying your interest rate by your remaining loan balance.

Escrow

Some homebuyers may also have a third amount, called escrow, factored into their closing costs and/or monthly payments. Lenders often collect and hold money in an escrow account to ensure critical bills like homeowners insurance and property taxes are paid on time.


💡 Quick Tip: When house hunting, don’t forget to lock in your home mortgage loan rate so there are no surprises if your offer is accepted.

What Would the Monthly Payment Be for a $100,000 Mortgage

We’ll keep things simple and eliminate the costs associated with an escrow account to get an idea of what a $100,000 mortgage payment might look like each month.

Let’s say you wanted to purchase a home for $120,000, and you had $20,000 for a down payment. If your lender offered you a 7.00% interest rate on a 15-year loan for $100,000, you could expect your monthly payment — principal and interest — to be about $898. If you had a 30-year loan at the same rate, a $100,000 mortgage payment could be about $665 per month.

Here are some more examples that show the difference between a 15-year loan vs. a 30-year loan, using a mortgage calculator:

How Much Interest Will You Pay on a $100,000 Mortgage?

The interest rate your lender offers can make a big difference in the overall cost of your mortgage. So can the mortgage term you choose. On a $100,000 mortgage at a 7.00% rate, for example, your total interest costs could range from $61,789 to $139,509, depending on the length of the loan you choose (15 vs. 30 years).

Stretching your mortgage payments over a longer term can lower your monthly payment, but you can expect to pay more for the loan overall. If you start out with a 30-year term and find your budget can handle larger payments, you can always consider a mortgage refinance or a recast to adjust your payment amount and schedule.

Recommended: Best Affordable Places to Live in the U.S.

How Does Amortization Work on a $100,000 Mortgage?

Though your payment will remain the same every month (if you have a fixed-rate loan, you can expect the amount you’ll pay each month toward interest vs. principal to change over the life of your home loan. In the first years, the majority of your payment will go toward interest. But as your balance goes down, more of your payment will go toward principal.

Your lender should provide you with a repayment schedule, or mortgage amortization schedule, that shows you how the proportions will change over the length of your loan.

Here’s what the amortization schedules for a $100,000 mortgage with 30- and 15-year terms might look like. (Keep in mind that your payments may include other costs besides principal and interest.)

Amortization Schedule, 30-Year Loan at 7.00%

Amortization Schedule, 15-Year Loan at 7% APR

Where Can You Get a $100,000 Mortgage?

Homebuyers have options when they’re deciding where to go for a loan, including online banks and lenders, traditional banks, and credit unions. Because lenders’ rates and terms may vary, it can be a good idea to shop around for a mortgage that’s a good fit for your needs and goals.

Before you start getting mortgage estimates, you may want to sit down and figure out the different types of mortgages you’re interested in and what you might qualify for. Would you be better off with a conventional mortgage or a government-backed loan? Are you looking for a fixed or adjustable mortgage rate? Do you want a 15-, 20-, or 30-year mortgage? Some lenders specialize in certain kinds of loans, such as government-backed loans. And some loans may have less stringent standards for down payment amounts or a borrower’s credit score. Once you start comparison shopping, you may want to read some online reviews of the lenders you’re considering.

💡 Quick Tip: Generally, the lower your debt-to-income ratio, the better loan terms you’ll be offered. One way to improve your ratio is to increase your income (hello, side hustle!). Another way is to consolidate your debt and lower your monthly debt payments.

How to Get a $100,000 Mortgage

Feeling a little overwhelmed by the whole home-buying and mortgage process? Breaking it down into a few manageable steps may make things a little less daunting. If you’ve never bought a home before, spend some time studying up with a first-time homebuyer guide.

First, Figure Out What You Can Afford

Looking at your income, debts, monthly spending, and how much you’ve saved for a down payment can be a good place to start. This will help you determine how much of a down payment you can handle and how much house you can afford.

Look at Different Loans and Lenders

Once you know what you can afford, you can start looking for the loan type, interest rate, loan term, and lender that meet your needs.

Get Preapproved

After you’ve decided on a loan and lender, it can be a good idea to go through the preapproval process. Getting a letter from your lender that says you’re preapproved for a certain loan amount lets sellers know you’re a serious buyer (and can come in handy in a bidding war.)

Time to Go House Hunting

Once you’ve done your homework, you can search for and make an offer on a house. And since you already know how much you can afford, you can target homes in that range.

Submit a Full Mortgage Application

When you’re ready to seal the deal, be prepared to give your lender more financial information and documentation for a formal loan application.

Prepare for Closing

While you’re waiting for a final loan approval and a closing date, you can shop for homeowners insurance, get a home inspection, and make sure you have all the money you need for your down payment and closing costs.

Take Ownership of Your New Home

At the closing you can sign all the necessary paperwork, hand over the funds needed to make the purchase, and—congratulations!–get the keys to your new home.

How Much House Can You Afford Quiz

Recommended: Home Loan Help Center

The Takeaway

Researching the different expenses you might have to pay when taking out a $100,000 mortgage can help you stick to your budget and avoid unpleasant surprises. The choices you make about the type of loan you get, the interest rate, loan term, and other costs, will all affect how much you pay every month — and over the length of the loan.

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.

FAQ

How much is a $100,000 mortgage a month?

The monthly payment for a $100,000 mortgage could range from $600 to around $1,000, depending on several factors, including the interest rate and loan term.

How much income is required for a $100,000 mortgage?

You’ll probably need to earn around $40,000 a year (before taxes) to get a $100,000 mortgage. But lenders will look at several factors, besides your income, to determine if you can afford a $100,000 mortgage. You can expect to be asked about your debt, credit history, assets, and the down payment you plan to make.

How much is a down payment on a $100,000 mortgage?

If you wanted to make a 20% down payment (thereby avoiding paying for mortgage insurance), you would put down around $25,000 on a $100,000 mortgage. But a down payment could be as low as 3% in some cases (around $4,000), and may vary depending on the price of the house you choose and the type of loan you get.

Can I afford a $100,000 mortgage with a $70,000 salary?

As long as all your monthly debt payments combined — including your house payment, credit cards, student loans, and car payments — are less than $2,100, you may be able to afford a $100,000 mortgage on a $70,000 salary.

Photo credit: iStock/Hispanolistic

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

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Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.

SOHL-Q425-188

The joy our furry and feathered friends add to our lives is priceless. But pet ownership does come at a cost. From basics like adoption fees and food to expensive emergency veterinary care, the expenses associated with being a pet parent can be steep.

Pet loans are one way to pay for the expenses of having a pet. Read on to learn more about them as well as alternatives.

What Is Pet Financing?

Pet financing refers to taking out a personal loan to pay for the cost of getting and/or owning a pet. While some banks may market the loans specifically as pet loans, they work the same way as standard personal loans.

A personal loan is unsecured debt, which means the bank doesn’t have any collateral to turn to in the event the loan is not repaid. This means that personal loans, including pet loans, may have stricter eligibility requirements and higher interest rates.

Cost of Owning a Pet

While the specifics will depend on what kind of pet you own — a fish costs a lot less to feed and care for than a Great Dane — all types of pet ownership come with some costs. Here are some of the common expenses you may encounter:

•   Purchase or adoption fees, which can vary significantly. Buying a purebred puppy could cost thousands of dollars, while an adoption fee might be a nominal $25 for a cat at the shelter.

•   Regular veterinary check-ups and vaccines, which pets need in order to stay as healthy as possible (and, in the case of the rabies vaccines in some U.S. states, comply with local laws)

•   Food, which can run the gamut from cheap kibble to expensive raw or fresh foods

•   Supplies you need to keep your pet safe and happy, like food and water dishes, beds, crates, litter boxes and litter, collars and leashes, or treats.

•   Veterinary care or medical procedures that may cost far more than regular upkeep, like dental work or surgery to repair a broken bone

What Can I Use a Pet Loan For?

Because a pet loan is basically just a personal loan, you can use the money for pretty much anything you want. (If the bank you’re borrowing from is offering what it calls a pet loan specifically, it’s wise to check that there are no rules or restrictions around what the money can be used for.)

Here are some of the most common ways you might use the funds from a pet loan.

Pet Purchase Financing

If you’re purchasing a pricy purebred or if the setup phase of pet ownership comes at a steep cost (i.e., if you’re getting into saltwater fish tanks), you might want to use the money from your pet loan to fund the purchase or adoption of your pet.

Pet ownership tends to be more expensive in the first year or so than in subsequent years, since new pets may often need to be spayed or neutered or have their first rounds of puppy or kitten shots. Using a pet loan to get into pet ownership may make sense if you know you’ll have the money to pay back the loan and afford continued care throughout the pet’s life.

Pet Health Care Financing

Just as with humans, health-care related costs for pets can be high. The average cost of a routine vet visit can be a couple of hundred dollars as of 2025, and emergency care can top $1,000.

That may not sound like much. But alongside other major expenses, like food, it can cost a couple of thousand dollars per year to care for your companion, according to Reader’s Digest. That can lead some pet owners to take out a pet loan.

Pet Surgery Financing

We all hope our four-legged friends never need major medical care, but when they do, it can be just as worrisome for our wallets as our hearts. For instance, even a routine surgery like a spay can cost between $200 and $700 at a private veterinary practice. And if your dog needs a dental cleaning — which may be done under anesthesia— the cost may reach $300 to $1,500 or higher.

So using a pet loan to pay for a pet’s surgery can make a lot of sense, though there are still other alternatives to consider (more on those below).

Pet Care Financing

If you own a dog or cat, you may sometimes need to leave your pet behind when you travel. This kind of pet care can be expensive, particularly if you’re paying for overnight pet-sitting for several days in a row.

Whether you’re boarding your kitty or pup or enlisting the help of a professional pet sitter, you might spend up to $150 per night or more. This adds up quickly and might be another reason to take out a pet loan.

Pet Store Financing

For pet owners, a trip to the pet store can feel like being a kid in the candy shop. There are all kinds of beds, crates, play pens, gates, clothes, and other items beckoning. You could use a pet loan to purchase supplies from the pet store, such as feeding dishes, bedding, treats, and toys. (If you’re hoping to finance your own pet store, on the other hand, you’d probably want to look into a business loan.)

Can I Get Pet Financing With Bad Credit?

Like any type of financing, the better your credit, the easier it is to get a pet loan — especially since, again, it’s an unsecured form of debt and therefore riskier for the bank.

While many factors about your financial situation will be assessed, like your income, other current debts, and job stability, you’ll likely need a credit score from 580 to 670 in order to qualify. And some banks may have a higher minimum credit score than that.

Reasons to Take Out a Pet Loan

From a financial stability perspective, it may be a good idea to avoid going into debt to take care of your pet, though in some cases, a pet loan may be the best option.

For example, if you need to take out a loan to afford a pet at all, it might be worth waiting until you’re in a stronger financial state before getting into pet ownership.

But if you already have a pet and are facing unexpected medical costs, taking out a pet loan may make more financial sense than, say, going into credit card debt for your animal’s treatment. Still, a personal loan can impact your overall financial situation in a multitude of ways, so it’s worth considering all your options before making a plan.

Recommended: Is There a Minimum Score to Get a Personal Loan

Alternatives to Pet Loans

If you’re considering taking out a pet loan, here are some alternatives to put on the table before you sign the paperwork.

•   Pet insurance can help lower the overall cost of veterinary care from the start. However, like human insurance, you may need to be careful to work with a vet who’s in-network in order to glean any savings.

•   A veterinary payment plan may be available at your local clinic and may even offer 0%-interest options based on your financial need. If you work with a private veterinary clinic, it’s worth asking if they have payment plans available, even if they don’t advertise them.

•   Veterinary schools and low-cost clinics may offer the same care at a lower cost, whether to help new veterinarians with their training or simply to provide options for lower-income pet owners in the community.

•   Savings can be a good option if you have an ample emergency cushion saved up and may allow you to avoid going into debt. However, if your pet loan is at a low enough interest rate and you’re still working on building up an emergency savings fund, you might not want to break into it for Fido.

Recommended: Debt Consolidation Loans

The Takeaway

A pet loan can help you finance some of the costs of pet ownership. But keep in mind it’s still a form of debt, so it’s worth carefully considering alternative options before you sign up.

Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. See your rate in minutes.

FAQ

Can I take out a loan for a dog?

If your credit history is strong enough, you may be able to take out a pet loan — a type of personal loan — to pay for the cost of adopting or purchasing a dog, or any of the costs associated with their care thereafter. However, if you can’t afford to own a dog out of pocket, you’ll want to think carefully about whether or not it’s a smart financial move.

What credit score do you need for pet financing?

While each bank has its own specific requirements around minimum credit scores, for most personal loans, including pet loans you won’t be able to qualify without a score between 580 and 670. (Of course, your credit score isn’t the only thing that matters. The bank will also look at your income, existing debts, job stability, and more.)

What do you do if you can’t afford to keep your pet?

There are many options available to those who’ve found they can’t afford to keep their pets. While turning your pet over to a humane shelter or otherwise rehoming them with a trustworthy family is one way to go, you may also be able to lower the cost of pet care by visiting low-cost veterinary clinics or taking out a pet loan.

Photo credit: iStock/AleksandarNakic

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SOPL-Q425-046

Life is expensive. And unfortunately, with a wide array of funeral-related costs, so is death. So much so, in fact, that some people turn to funeral loans to pay for it.

While you may be able to use a loan to pay for the casket, headstone, flowers, and other expenses, there are other ways to make this challenging part of life more affordable.

Read on to learn more about funeral loans and alternatives worth considering.

What Are Funeral Loans?

Funeral loans are basically personal loans marketed towards people who are facing funeral costs. That is to say, they’re a form of unsecured debt. This means they may be harder to qualify for — and come with higher interest rates — than debt that carries collateral, like a mortgage or an auto loan.

Although it may be marketed as a funeral loan, chances are you’re just getting a personal loan, which means you will probably be able to use the funds for just about anything you want. That said, it’s always worth checking with the bank or lender to ensure there aren’t any stipulations as to how the money gets spent.

Recommended: Requirements for Personal Loans

How Does a Funeral Loan Work?

A funeral loan works much like other types of unsecured debt: You simply apply for the loan amount you need and, if you qualify, the lender will deposit the amount in your bank account (or cut you a check).

You then pay back the balance, plus interest, over the course of a set term, or loan lifespan, usually somewhere between two and seven years or longer.

You’ll pay the loan in monthly installments, like most other bills. Depending on your lender’s policies, you may be able to pay off the loan in full earlier. But always check to ensure you won’t get penalized for doing so.

Recommended: What Is a Short-Term Loan? The Ultimate Guide

Average Funeral Cost

So why are people going into debt just to send off their dearly departed? Funerals are expensive, that’s why.

According to data from the National Funeral Directors Association (NFDA), the median cost of a traditional funeral burial is currently $8,300 — and about $2,000 less for funerals with cremations.

Caskets alone can cost thousands of dollars. What’s more, most funeral homes still require them to be placed in a concrete burial vault to make landscaping easier — to the tune of another couple of thousand dollars or so.

That might explain why people are becoming more interested in green, or natural, burials, which can cost significantly less. Depending on the specific services and location, the total bill currently averages $2,600.

Still, it makes sense that some bereaved people end up turning to funeral loans to get through this time, which is tough both emotionally and financially.

Pros and Cons of Funeral Loans

Like any other financial product or decision, funeral loans have both drawbacks and benefits to consider. Here’s a quick look with a chart, and then a deeper dive into the specifics.

Pros of Using a Loan to Pay for a Funeral

Here’s a closer look at some of the benefits of using a funeral loan.

Convenience and Payment Time Frame

When you apply for a funeral loan, there’s a good chance you’ll have the money in your hands quickly. In some cases, you could get the money on the same day, though the vast majority of lenders will have the funds to you within five business days or so.

Afford Quality Funeral Services

As discussed, funerals are expensive, and for some families, skimping on a casket or service simply isn’t an option. If funds are tight, a funeral loan may be able to help you pay for a more robust celebration of a loved one’s life.

May Be Better Than Credit

Although personal loans tend not to have the cheapest interest rates, they often have lower interest rates than credit cards do. If you’ll need time to pay off the debt, a funeral loan may be a better option than a credit card from a financial perspective.

Cons of a Funeral Loan

As discussed, there are drawbacks to funeral loans, too. Here are some of those to keep in mind.

Interest Rate

Borrowing money isn’t free, and since funeral loans are a form of unsecured debt, they tend to have higher interest rates than, say, a mortgage.

When considering a funeral loan, ask the company to provide documentation that shows how much you’ll pay in total, including interest and fees, over the entire lifetime of the loan. Even at a relatively low interest rate, it can add up faster than you think.

For example, if you took out a $10,000 funeral loan at a 10% interest rate, with a five-year term, you’d end up paying more than $2,700 in interest. That much might pay for the entire cost of the casket today.

Potential Impact on Credit Score

LIke any other type of loan or line of credit, taking out a funeral loan will show up on your credit report. Depending on your other factors, it may decrease your score. (That said, in some cases, it might also help build your score, since having a mix of different credit types and timely payments have a positive impact.)

Financial Commitment

A funeral loan is a financial commitment that you’ll likely be repaying over a long period of time — between two and up to 10 years or even more in some cases. As important as properly memorializing passed loved ones is, it’s also critical to ensure that paying off a funeral loan won’t substantially impact your financial life in the long run.

Who Is Eligible for an Emergency Loan for a Funeral?

While anyone can apply for a funeral loan, your credit history will determine whether or not you’re eligible. Again, since unsecured debt is riskier for banks, they may carry higher minimum credit scores for funeral loans than other types of products.

However, depending on the lender you choose and the rest of your credit profile, you may be able to qualify with a score anywhere from the high 500s to the high 600s. Expect to pay a higher interest rate if your score is lower.

Recommended: Financial Hardship Loans: What Are They and How Can You Apply?

Can You Get Funeral Loans With Bad Credit?

Again, a bad credit score can make it more challenging to qualify for a funeral loan, but you may still be eligible depending on the rest of your financial profile.

How Much Can You Borrow for a Funeral Loan?

Many personal loan companies offer large amounts of up to $50,000 or $100,000. But it’s usually a good idea not to borrow more than you actually need to pay for funeral expenses. After all, whatever money you borrow will need to be repaid, along with interest.

Alternatives to Help Pay for Funeral Costs

While a funeral loan is one option for funding funeral costs, there are alternatives that may be less expensive and more accessible for you and your loved ones. Here are a few to consider:

•   Ask for what you need. If you speak to the funeral director at the funeral home you’re working with, you may be able to work out a payment plan or use multiple different types of payment—such as cash, checks, and credit cards—in order to avoid taking out a funeral loan.

•   Use the loved one’s life insurance. If the person who’s passed away has life insurance, the death benefit might be used to help pay for their funeral costs.

•   Consider different types of services. As discussed above, a green or natural burial is often less costly than traditional burials. Cremation can also be more affordable than traditional burial.

•   Consider using a home equity loan. Borrowing against the value of your home still entails going into debt. However, because it’s a secured loan (your home is used as collateral), you may score a lower interest rate than you would on a funeral loan.

The Takeaway

Funeral loans are essentially personal loans used to pay for funeral costs. While they are one way to pay for the goods and services associated with death, other alternatives, like setting up a payment plan with the funeral director, may be more beneficial for the living in the long run.

Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. See your rate in minutes.

FAQ

How can I get money for an unexpected funeral?

While using a funeral loan is one way to access funds for an unexpected funeral, there are other options to consider. Examples include the deceased’s life insurance, prepaid funeral plans, funeral assistance programs, and even crowdfunding.

How much is a home equity loan for a funeral?

A home equity loan allows you to borrow against the value of your home that you already own — that is, its equity — to pay for expenses, including funeral expenses, in cash. However, this type of arrangement will only work if you own substantial equity in your home, and it does come with its own costs from the lender.

What credit card will pay for a funeral?

While you could technically use just about any credit card to pay for a funeral, if you’re looking to avoid paying interest, it might be a smart move to take out a new card with a promotional 0% interest period. That way, you’d have that time period — likely a year or a year and a half — to pay back the funeral expenses without being subject to high interest. Beware, though: When the promotional period runs out, you’ll still be on the hook for interest if any of the balance is left over.

Photo credit: iStock/shapecharge

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SOPL-Q425-047