Flexible Financing
Quality dental care should be accessible to everyone. Our flexible financing options make it easy to get the care you need, when you need it — without compromising your financial wellbeing.
Smart Benefits, Real Savings
Financing isn’t just convenient — it’s often the smartest financial decision for major treatments.
Preserve Savings
Keep your emergency fund and investments intact. Pay over time instead of depleting your savings on a single expense.
Predictable Payments
Fixed monthly payments make budgeting simple. No surprises, no variable rates, no hidden fees — just consistent payments.
Quick Approval
Most applications approved in 60 seconds. We use soft credit checks that don’t impact your credit score for pre-qualification.
No Prepayment Penalties
Pay off your loan early without any fees. Most plans have zero prepayment penalties, so you save on interest.
Start Treatment Now
Don’t wait for the perfect time. Start treatment today with financing, and pay over time as you enjoy the results.
Build Credit
On-time payments help build your credit history. Responsible financing can improve your financial profile.
Choose Your Lender
We partner with the nation’s leading healthcare financing providers — all offering competitive rates and excellent service.
- 0% APR for 6-24 months
- No annual fees
- Quick 60-second decision
Exclusive preferred partner with 20+ years of healthcare financing expertise
- Fixed APR 7.99-25.99%
- Terms 12-60 months
- No prepayment penalty
Great for larger treatment plans with extended terms available
- 0% APR for 6-18 months
- Extended plans available
- Designed for healthcare
Specialized in elective procedures and dental wellness financing
- Rates from 5.99% APR
- 6-96 month terms
- No down payment
Higher loan amounts for comprehensive treatment plans
- Soft credit check only
- 90-second approval
- 99% approval rate
Most inclusive approval process — works for all credit types
Calculate Your Monthly Payment
See exactly what you’ll pay each month. Adjust the loan amount, term, and rate to find your perfect fit.
Loan Details
Enter your treatment cost or loan amount. We’ll show you the estimated monthly payment.
- Loan Amount$5,000
- Term18 months
- Total Interest$487
- Total Cost$5,487
Simple 5-Step Application
From application to approval, most patients are approved and ready to start treatment in under an hour.
Choose Lender
Select from our trusted partners based on rates, terms, and your preferences.
⏱ 5 minComplete Application
Fill out the online form — basic info, employment, and treatment cost.
⏱ 10 minPre-Qualification
Soft credit check (no impact to your score) for instant pre-qualification.
⏱ 60 secFinal Approval
Complete full application and verification. Receive your decision.
⏱ 1-3 daysStart Treatment
Coordinate with our team to schedule and begin your treatment plan.
⏱ Same weekWhat You Need to Qualify
Clear requirements, transparent process, and ongoing promotions to make financing even more affordable.
Approval Requirements
- 580+Minimum credit score for most plans
- $1,200+Minimum monthly income
- 3+ moCurrent employment length
- 18+Valid government ID required
Documentation Needed: Photo ID, proof of income (pay stubs or tax returns), bank account information, and Social Security Number for verification.
Special Promotions
- $0No money down on approved plans
- 0%Same-as-cash for 6-24 months
- DeferDeferred interest for qualified buyers
- No PenZero prepayment penalties
Limited Time Offers: Promotional rates change quarterly. Current rates available — apply today to lock in your best offer.
Which Option is Right for You?
Both options have their place. Here’s an honest comparison to help you decide.
Paying Cash
- No interest charges ever
- Immediate ownership, no debt
- Potential discount (ask about cash discount)
- Depletes savings/emergency fund
- Large upfront payment
- May delay treatment until saved
Financing
- 0% APR options available
- Small manageable monthly payments
- Start treatment immediately
- Preserve emergency fund & savings
- No prepayment penalties
- Can build credit with on-time payments
Financing FAQ
What Our Financing Patients Say
Real experiences from people who made their dental care affordable with financing.
“I needed $8,500 worth of dental work and couldn’t pay it all upfront. CareCredit’s 18-month 0% APR let me start treatment immediately. I pay $472/month and pay it off before interest hits. Game-changer for my smile and budget.”
“As a single mom, I was nervous about applying. The pre-qualification was soft and didn’t hurt my credit. I got approved for $5,000 at 0% APR for 12 months. My son got his braces and I kept my emergency fund intact. So grateful.”
“The application was so easy — 10 minutes, instant decision. 24-month plan at 0% APR meant I could do my full mouth restoration without stress. Paid it off a month early with no penalty. Would absolutely use financing again.”