Invest in your smile. Pay over time.
Most major dental work can be financed with monthly payments that fit your budget. 0% APR options available with quick approval—often same-day.
Invest in your smile. Pay over time.
Most major dental work can be financed with monthly payments that fit your budget. 0% APR options available with quick approval—often same-day.
Why financing makes sense
Cost of waiting
Dental problems rarely improve with time. Sensitivity becomes pain; small fractures become full breaks; a minor bite imbalance becomes a more complex case. Financing simply gives you the flexibility to address issues when they are straightforward—before they turn into emergencies.
Preserve your savings for what they're meant for
Unexpected dental treatment can compete with real-life responsibilities: family expenses, home repairs, travel, or general financial planning. Financing lets you keep your emergency fund intact, spread treatment costs into predictable payments, and start the care you need without postponing your life.
Your smile is a long-term investment
Quality dentistry lasts years—often decades. Financing breaks a long-lasting improvement into monthly payments that fit comfortably into your budget, while letting you benefit from the treatment immediately. A thoughtful, modern approach to planning your care.
Your financing options
We partner with two trusted financing companies to give you flexibility in how you pay for treatment.
For most dental procedures
- Quick approval process (often same-day)
- 0% APR promotional financing (6-24 months)
- Can be used for your entire household's dental care
Specialty financing for Invisalign & major work
- Invisalign-preferred financing partner
- Flexible terms (6-60 months)
- Multiple plan options (0% and low-interest rates)
Not sure which option is right for you? We'll review both during your consultation and help you choose the best fit for your treatment and budget.
Real payment examples
These examples show how financing turns larger treatments into manageable monthly payments. Your exact numbers depend on your insurance contribution and the plan you choose—we'll review both during your consultation.
(HFD offers special terms for orthodontic treatment)
Invisalign® Treatment
Typical treatment fee:
~$5,500
Insurance contribution:
varies (often $0–$2,000)
Typical patient portion:
$3,500–$5,500
Financing examples:
- • 0% APR for 12 months: around $290/month
- • 36–72 month plans: as low as $110–$152/month
We'll calculate your exact monthly payment once we know your treatment complexity and your insurance benefits.
Talk to our financing coordinator(Uses CareCredit — straightforward, strong 0% options)
Dental Implant (Single Tooth)
Typical treatment fee (implant + crown):
$4,500–$6,000
Insurance contribution:
varies (often $0–$1,500 depending on plan)
Typical patient portion:
$3,000–$5,000
Financing examples with CareCredit:
- • 0% APR for 12 months: $250–$420/month
- • 24-month 0% APR (when available): $125–$210/month
Implants last decades—financing spreads the cost so you can restore function now without delay.
Ask us how CareCredit works(Uses CareCredit — common real-world scenario)
Crown + Root Canal (Same Tooth)
Typical treatment fee:
~$2,500
Insurance contribution:
deductible + 50–80% dependent on plan
Typical patient portion:
$900–$1,500
Financing examples:
- • 0% APR for 12 months: $75–$125/month
- • Low-interest extended plans: small predictable payments over time
This is one of the most common situations where patients appreciate payment flexibility — addressing the tooth early prevents emergency treatment later.
See your options during your visitQuick answers before you reach out
Will checking my financing options hurt my credit?
No. Pre-qualification uses a soft credit check and won't affect your score.
Do I have to decide during my appointment?
Not at all. We'll show you the numbers, you take them home and think it over.
What if I'm denied by one company?
We work with two financing partners. If one declines, we'll help you apply to the other or explore membership plans (no credit check needed).
Want to know your exact monthly payment?
Upload your insurance card or call us, and we'll:
- Verify what your insurance covers
- Calculate your out-of-pocket cost
- Show you exact monthly payment options
- Pre-qualify you (won't affect your credit score)
Takes about 5 minutes on the phone or 24 hours with card upload.
Every plan is optional. Our goal is to explain your costs clearly, show you realistic monthly payment paths, and help you make a decision that fits your circumstances.
Before you apply: What you should know
We're here to make financing simple and stress-free, but we also want to be transparent:
We partner with financing companies—we don't provide the financing ourselves.
Your financing account will be with CareCredit or HFD, and you'll make payments directly to them.
We help you choose, but the lender manages the account.
They'll send your statements, handle automatic payments, and manage your account terms.
We know it can still feel connected to your treatment—and that's okay.
If anything ever feels confusing, you can always call us first. We'll help you understand what's happening and who to contact. You're never alone in this.
No treatment decisions are ever tied to financing approval.
Financing is just one option. You're always free to pay upfront, phase treatment, or explore other solutions.
Our goal is simple:
You should always feel in control—never surprised, pressured, or confused.
How it works
The simple, predictable path from "I need financing" to "I'm getting treatment."
Book your consultation. We'll examine your needs and create a treatment plan. You'll get exact costs before any treatment starts—no surprises.
Review your financing options. We'll show you payment plans from both CareCredit and Healthcare Finance Direct. You'll see monthly payments for different term lengths and choose what fits your budget.
Apply and get approved. Quick online application takes 5-10 minutes. Most decisions come back within minutes. Pre-qualification uses a soft credit check and won't affect your score.
Start treatment, make monthly payments. Begin your treatment right away. Pay your financing company directly each month—automatic payments available. No hidden fees, no surprises.
Common questions
Take the next step
The best way to understand your financing options is to talk with us. We'll review your treatment plan, verify your insurance, show you exact monthly payments, and help you choose what works best.
Three ways to get started:
- •Book a consultation — We'll walk you through everything in person
- •Upload your insurance card — We'll verify benefits and send you estimates
- •Call us at (510) 659-0130 — Get answers over the phone in 5-10 minutes
No obligation. No pressure. Just clear information so you can make a confident decision.