Dental Payment Plans

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.

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.

*With shorter term financing options of 6, 12, 18 or 24 months no interest is charged on purchases of $200 or more when you make the minimum monthly payments and pay the full amount due by the end of the promotional period. If you do not, interest is charged from the original purchase date. Subject to credit approval.

Compassionate Finance is a great option for those with no credit or challenged credit and gives you the ability to choose your monthly payment.

  • For general dentistry treatments
  • Works with any credit level, even no credit
  • High approval rate
  • Quick, easy approval with a bank account in good standing
  • Ability to choose your monthly payment
  • Payments as low as $40/month, or terms up to 60 months
  • Apply your insurance benefit to your down payment
  • If you think you may be interested in a payment plan with Compassionate Finance, we encourage you to bring your bank account number and routing number (easily found in your checkbook, bank statement, or banking mobile app) to your appointment for a quicker application process.

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)

Financing services offered are subject to change at any time.

Dental Payment Plan FAQs 

Do you still have questions about our dental financing options? We want you to feel comfortable and confident throughout the process, so we compiled some of the most frequently asked dental financing questions.


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.