FINANCING & PAYMENT PLANS
Most of our implant patients pay monthly. Here’s exactly how.
The sticker price of implant treatment is a lump sum; almost nobody pays it that way. Between four financing partners, insurance strategy, and treatment phasing, the real question isn’t “can I afford $20,000?” — it’s “does the monthly number fit my life?” For most patients, it does. And because we publish our prices, you can do this math before you ever walk in.
Four lenders, honestly described
Cherry — a fast, phone-based application built for dental and medical care, with soft-credit-check prequalification (checking your options doesn’t ding your score) and decisions in minutes. Often the smoothest starting point. CareCredit — the healthcare credit card many patients already hold; offers promotional financing periods on qualifying treatment amounts, reusable for future care. Proceed — a patient financing platform that shops your application across lending options to find workable terms, useful for larger cases and a wider range of credit situations. LendingClub — fixed-rate, fixed-term installment loans well suited to bigger treatment plans, so a full-arch case behaves like a predictable monthly bill instead of revolving credit. Terms, rates, and approvals vary by applicant and lender — our treatment coordinators walk you through live numbers for your actual case at your consult, and you’re free to take them home.
What monthly actually looks like
Exact payments depend on approval, term length, and any promotional terms — so we won’t print fake precision here. The honest shape of it: single-implant treatment ($3,500–$5,500 complete) typically finances to a phone-bill-sized monthly payment; snap-in dentures ($15,000–$20,000 per arch) and fixed full-arch treatment ($20,000–$32,000 per arch, complete) can frequently be structured in the low-to-mid hundreds per month on longer terms. At your free consult you’ll see real, personalized numbers side by side — often from more than one lender — before deciding anything.
Stack every dollar: insurance + phasing + financing
Financing is the third layer, not the only one. First, our team verifies your insurance and extracts what it will actually contribute — commonly crown, extraction, or grafting portions up to your annual max (the details, including the missing-tooth-clause trap, are in our insurance guide). Second, larger cases can often be phased across two plan years, doubling the insurance contribution on the same treatment. Then financing covers the remainder. Patients who let us run all three layers routinely out-of-pocket thousands less than the sticker price they feared.
No markup, no games
Financing here costs the same as paying outright — the published price is the price, whichever way you pay it. We don’t inflate quotes to bury lender fees, and if a “same as cash” pitch anywhere confuses you, bring it to your consult and we’ll translate it into plain English, even if it’s another office’s paperwork.
Can I get financing with imperfect credit?
Often — the four platforms serve different credit profiles, Proceed in particular shops multiple options, and co-applicants can help. Prequalifying with a soft check costs nothing and doesn’t affect your score.
Should I apply before my consultation?
You can prequalify anytime, but most patients wait for the consult — you’ll have your exact written quote first, so you finance the real number, not a guess.
Is there a down payment?
Depends on the lender and plan structure — some patients finance the full amount, others put a portion down to shrink the monthly. Both paths get laid out at your consult.
Does the practice charge more if I finance?
No — published price is the price. Lender interest or promotional terms are between you and the lender, shown to you transparently before you sign.