Dental Finance Plans

Dental Financing

There are many dental treatment payment plans available through various finance companies. Most have online sites where you can apply for financing; participating dental offices also have applications available.

What is Dental Financing?

Dental Financing refers to special payment plans via a program credit card account or loan that help you pay for specific dental procedures. Insurance companies generally do not cover “want based” procedures, which are often expensive. Dental financing plans are a convenient option to consumer credit cards, cash or checks. They allow you to pay over time instead of a lump sum prior to treatment. There are many different companies offering dental financing. Some companies have their own programs and manage the payment plan. Independent dental finance brokers act as liaisons between you and lenders, helping to find the best plan or interest rates available to you, depending on your credit history.

How do Dental Finance Plans work?

Different dental finance companies have different plans. Some offer short-term, low-interest plans. Others offer extended plans of up to 60 months. Some dental finance programs allow you a no interest payment plan or an extended low fixed-rate payment plan. This is often advantageous when you have extensive or expensive dental work to be done. Once approved, payment is made directly to your dentist; in some cases, before your procedure begins.

How long do I have to repay?

The length of time you have to pay depends on the payment plan of the particular dental financing company you choose. Promotional plans are often offered so it’s wise to check several companies to see what works best for you. Your dentist’s office staff may be able to help you determine what company and which plan would best suit your needs.

How do I get approved for a Dental Finance Plans?

Applications are available either at your dentist’s office or online at the dental finance companies’ websites. Approval is based on information from your credit application and past credit history. This includes information from the primary applicant, as well as any co-applicant.

What Kinds of Dental Treatment Can Be Financed?

Most cosmetic procedures, including dental implants, orthodontics, porcelain veneers, restorative dentistry, and invisibles braces, can be financed.

Dental Finance Plans Resources

Here are a few of the many dental financing companies you can find online. This is not a recommendation or endorsement of the specific companies listed. It is intended to help you find more information. Try searching online for “dental finance plans”. Take the time to shop around, explore what each has to offer, confer with your dentist, then take advantage of the plan that’s right for you.

• Care Credit
• All Care
• Unicorn
• CitiBank
• CapitalOne Credit
• EZPay Solutions

CareCredit, the leader in patient financing, has helped more than 3 million patients get the treatment or procedures they needed and wanted. With a comprehensive range of plan options for treatment or procedure fees from $1 to over $25,000, we offer a plan and a low monthly payment to fit comfortably into almost every budget.

CareCredit is a flexible patient payment program specifically designed for healthcare expenses that makes it easier for you to get the treatment or procedures you want and need. CareCredit is ideal for co-payments, deductibles, treatment and procedures not covered by insurance, and can be used at over 45,000 practices nationwide.

With CareCredit, you pay no up-front costs, no pre-payment penalties and no fees. Plus, CareCredit is a revolving credit line for additional treatment or add-on charges, without the need to re-apply.

Low interest financing options will leave you smiling and able to pay for crowns, veneers, implants, and more over time and within your budget.