Dental Payment Plans

Introduction

We believe in delivering affordable dental and orthodontic services so that you never have to put off your dental care needs. As part of our commitment to providing quality dental care, we offer convenient dental financing programs that work for all budgets and credit levels — even no credit.

Our Treatment Coordinators are experts in helping you navigate your payment options and will guide you every step of the way. The application process is easy and can be completed on your smartphone in just minutes, with the guidance of your Treatment Coordinator.

Dental Payment Plan FAQs 

Dental financing works just like anything else you might pay over time. You agree to the cost of your treatment plan, make a down payment (if required), and then pay off the rest through monthly payments.

Absolutely! We have financing plans for traditional braces and Invisalign clear aligners.

Yes, we offer financing options for cosmetic and specialty services, including dental implants.

We believe that quality dental care should be affordable for everyone. Even if you have bad credit or no credit, financing dental work is possible, and we’re here to help.

This depends on which program you are approved for. With CareCredit, no down payment is required for general dentistry treatment, and only $99 is due up front to start orthodontics. With Compassionate Finance, your 25% down payment can be partially or fully covered by your insurance, so you may pay nothing out-of-pocket (if eligible).

Part of what makes our financing options flexible is that you have the chance to choose the term that works best for your budget, from 6 months up to 60 months, depending on the plan you are approved for.

Your monthly payments depend on the amount of your down payment, the total treatment cost, and the length of the financing plan. Longer terms and/or larger down payments usually mean smaller monthly payments.

CareCredit

CareCredit helps families cover out-of-pocket dental costs and other medical expenses. The quick approval process won’t affect your credit score. You can even do it before your appointment!

  • The QuickScreen process lets you know instantly if you’re approved
  • Typically requires good credit
  • No down payment required for general dentistry
  • Only $99 down required for braces or Invisalign
  • 6, 12, 18, and 24 months no interest* 
  • Convenient payment calculator helps you choose the best payment plan for your budget.

SUNBIT

Unlock flexible and stress-free payment options with Sunbit, making your dental care more accessible than ever.

 

  • 85% approval rate — higher chances of getting the care you need.
  • Apply in just 30 seconds with no impact on your credit score.
  • Choose from 3, 6, or 12-month payment plans tailored to your budget.
  • No hidden fees — enjoy clear and transparent terms.
  • Instant decisions mean you can start your treatment right away.
  • Affordable monthly payments make maintaining your smile easier than ever.

OrthoFi

Available at our orthodontic offices for treatment like braces or Invisalign, OrthoFi offers 100% approval and the ability to choose your down payment and monthly payment.

  • For orthodontic treatment (braces, Invisalign, etc)
  • 100% approval, regardless of your credit
  • Works with any credit level, even no credit
  • Our payment slider allows you to customize your down payment and monthly payment, creating a plan that works for your budget.
  • Pay as low as $99 down to start treatment
  • Monthly payments as low as $99
  • No interest payments available (if eligible)