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.

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.

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.

If none of these options work for you, your Treatment Coordinator can guide you on next steps to help you get the care you need.

Click here to watch a quick video about our easy payment plans:


I had zero hope of being approved for any sort of financing but [the Treatment Coordinator] assured me she had seen many cases like mine that were approved and that it wouldn’t hurt to try since any inquiries would be soft pulls. Ultimately, she got me approved with a plan i could afford. I was able to get a deep cleaning and my wisdom teeth pulled within a couple of hours.”

– David M.

For years I was afraid to get dental work because of the costs but I was able to get approved for financing and on my way to a healthier smile. I grew up in poverty so my oral health was not a priority. I had all my molars extracted when I was 22 and my premolars were damaged from impacted wisdom teeth plus many cavities. Imagine the work I needed to be able to eat normally or even smile. Here I am able to slowly get the smile I wanted for a very long time.”

– Lisa N.

“I love this place..they are friendly and very professional…they take the time to break everything down for you and most definitely will work with you on the payments.”

– Baraka S.

“Absolutely AMAZING!!! I left knowing everything about what’s goin on with my teeth, everything available to me via treatment options, payment options, and minus a tooth that was perfectly extracted by Dr. Prutha Soni and her AWESOME team!!”

– T.L.

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.