A Dental Financing Is A Type Of Personal Loan. Unlike Other Loans, Dental Loans Have No Collateral. Collateral For Secured Loans Are Typically Assets Like Automobiles Or Real Estate Properties. That Makes a dental loan an unsecured loan since a dental crown isn't an asset that can be repossessed. A dental loan lender will run your credit score in order to determine your interest rate. If you have a good credit score, it's likely that you'll be approved. Still, interest rates for dental loans are a bit higher than usual due to the The Loan Of Nature.