iCreditWorks

iCreditWorks

About this app

Introducing an awesome new way to apply for dental financing** with affordable interest rates and low monthly payments—right from your phone! iCreditWorks provides access to only responsible credit options—simple installment loans with full transparency and a clear path to repayment. Get a credit decision in seconds, select the best loan option for you, and start treatment.

Biometric identity validation is integrated in the iCreditWorks App to keep dental patients and practices safe from potential identity theft or fraud. A fully integrated DocuSign solution ensures all documents are secure within the App.

The iCreditWorks App is based on common sense, and the entire dental financing process is just as simple. Manage all aspects of your iCreditWorks account, anytime and anywhere; your loan amount, balance, and payments are always available with a single tap. You’ll maintain control over your account, 24/7, and right where you want it most. And as a member of the iCreditWorks community, you’ll have access to educational resources that promote financial health.

App MetaData / Information for Personal Loans
Installment loans through iCreditWorks range from $100 to $20,000 and feature fixed rate APRs of 0% to 35.99% for treatment by affiliated (“In-Network”) dental providers. For treatment by non-affiliated (“Out-of-Network”) dental providers, installment loans through iCreditWorks range from $1,000 to $7,500, feature APRs of 0% to 29.99%, and have a one-time, non-refundable origination fee of up to 3% added to the principal amount of the loan, which is funded through a single-use Virtual Card.

Loan terms range from 12 to 60 months (up to 60 days, for Pay-in-4 loans), and lowest rates require AutoPay. Funds are paid directly to the dental provider once your treatment plan has been approved and your treatment begins.

For example, if you receive a $3,000 loan with a 36-month term and a 11.49% APR, when treatment begins your dental provider will be paid and you would have a required monthly payment of $98.91. Over the life of the loan, your payments would total $3,560.76. The APR on your loan may vary based on your credit profile. Actual loan rates may depend on credit score, income, credit usage, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying your loan early.

**All loans issued by WebBank

Ratings and reviews

I'm not happy about the hidden fees and the late fees that stack up... I missed 1 payment in December and I get charged new late fees each month.

Easy to use and responsive!

Unstable Android App and limited functionality. Can't update payment, forces you to make multiple payments rather than just pay more. Half the time it won't open or freezes.

What's new

Now you can:
See how much you qualify for & estimate your monthly payments
Check loan options, with no impact on your credit
Access a broad suite of “Point-of-Sale” financing products through iCreditWorks
Use the iCreditWorks Virtual Card to pay your dentist
Search national database of iCreditWorks-qualified dentists
Set up AutoPay for on-time, worry-free payments
Pay your dentists securely via location geofencing