Financing
The treatment is expensive. The month doesn't have to be.
We work with banks and lending partners whose approvals our network clinics accept as payment in full. You apply directly with the lender, the lender runs the credit check and makes the decision — we route, we never lend.
How it works
- 1
Tell us the case
Use the request form and select "Financing / payment plan" as how you plan to pay. That single answer changes how we route you.
- 2
Get matched and quoted
You see the real, itemized treatment cost from the matched clinic first. Financing a number you haven't seen is how people get hurt — we don't do it in that order.
- 3
Apply with the lender
A standard credit application, directly with the bank or partner program. Approval, amount, rate and term are the lender's decision. Many applicants see a decision the same day.
- 4
Treat now, pay monthly
The clinic treats the approval as payment in full and schedules you. You repay the lender on the agreed term.
What treatment looks like as a monthly number
Illustrations only — real terms depend on the lender's assessment of your application. Shown at representative terms lenders in this space commonly offer.
| Treatment | Typical cost | ~24 months | ~60 months |
|---|---|---|---|
| Single dental implant | $4,500 | $199/mo | $85/mo |
| Invisalign (comprehensive) | $6,000 | $265/mo | $114/mo |
| Porcelain veneers (8 units) | $16,000 | $707/mo | $304/mo |
| All-on-X fixed arch | $26,000 | $1,148/mo | $494/mo |
| Full mouth reconstruction | $45,000 | $1,988/mo | $855/mo |
Figures include representative finance charges and are rounded; 0% promotional periods, when offered by a lender, reduce them. Your rate is set by the lender based on your credit.
Straight answers
Will applying hurt my credit score?
Most lenders in this space start with a soft-pull pre-qualification that doesn't affect your score, followed by a hard inquiry only when you accept an offer. The application flow states which is which before you click — read that screen, it's the honest one.
What credit does approval take?
The lender decides, and different partners serve different credit profiles — that's precisely why we work with several. Fair-credit applicants are frequently approved for smaller amounts or shorter terms; a co-signer changes outcomes materially. What we won't do is guess your approval — nobody honest will.
Is there 0% financing?
Some lenders offer promotional 0% periods, usually 6–24 months, where the treatment amount divided by the months is the whole story — if you pay inside the window. Miss the window on deferred-interest products and interest applies retroactively. We flag which type an offer is; the difference is hundreds to thousands of dollars.
Why not just use a credit card?
For small treatment, a 0% purchase card can genuinely win. For $15,000+ of dentistry, dedicated lending usually beats card APR, doesn't consume your revolving limit, and gives a fixed end date. Bring the comparison to your own numbers, not ours.
What if I'm declined?
Then we re-route rather than dead-end: a different lender profile, a staged treatment plan that phases the cost, or — where insurance is your real route — a referral to a qualified provider who takes your plan. A declined application is information, not the end of the case.