Dental Financing Options

Flexible monthly payment options from CareCredit.

We take pride in delivering the finest dental care while keeping the costs to our patients as reasonable as possible, as such, our policy is that payment (or financing) is due at the time service is rendered unless other arrangements have previously been made.

Payment Methods

For your convenience we accept the following payment methods: cash, check, Visa, Discover, MasterCard, and American Express. We also offer affordable dental financing plans through CareCredit, LendingClub, and Alphaeon.

Visa Discover MasterCard American Express CareCredit LendingClub Alphaeon

Alphaeon®

Patient financing payment plans.

Alphaeon With an Alphaeon® credit card, you’ll find a wide array of monthly payment options to help you be your best you.

With special financing options for any purchase over $250 with credit lines up to $35,000 and the ability to reuse your card again and again, you may find using an Alphaeon® credit card is a better way to pay as well.

Find out if you pre-qualify* without impacting your credit.

It’s quick, easy and secure with instant results, including your credit limit.

* Not a final credit decision. Subject to credit approval. Alphaeon Credit Card Accounts are issued by Comenity Capital Bank.

Alphaeon FAQ

An Alphaeon Credit Card, offered by Comenity Capital Bank, is a simple way to pay for procedures, treatments, products, and services provided by dentists, dermatologists, ophthalmologists, and plastic surgeons.

Pre-qualify to find out if you are likely to be approved and for how much with no impact to your credit score.* If you pre-qualify, simply select continue to complete the full application or ask your doctor’s office for help.

When you’re ready, simply tell your doctor you want to use your Alphaeon Credit Card to pay. As long as you spend $250 or more, you will be offered various promotional financing plans to make paying for your purchase easier.

Alphaeon Credit Card offers credit lines up to $25,000 based upon credit quality. Pre-qualify to find out if you are likely to be approved and for how much, with no impact to your credit score.*

Before completing your full application, you can pre-qualify to find out if you are likely to be approved and for how much, with no impact to your credit score.* If you pre-qualify, simply select continue to complete the full application or ask your doctor’s office to help you. Please note, if you do not pre-qualify instantly, you will not be approved if you complete a full application or ask your doctor’s office to apply on your behalf. However, you can try to pre-qualify again after 30 days.

To apply you must be at the age of majority in your state or territory, have a valid government-issued photo ID, have a valid government-issued tax identification number (such as a SSN or SIN), and have a street, rural route, or APO/FPO mailing address as you can not use a PO Box mailing address. If your account is approved, you are able to change your mailing address to a PO Box.

No. Click here for important rate, fee, and other cost information.

No. Click here for important rate, fee, and other cost information.

CareCredit®

Making care possible…today.

CareCredit Apply NowWith CareCredit, there are never any application fees, annual fees, or prepayment penalty fees, and approval decisions are instantaneous. Furthermore, you can also use CareCredit for all your future needs without reapplying. Credit lines in excess of $25,000 are available (based on credit approval). And finally, CareCredit offers a flexible and practical monthly payment plan.

  • Their Interest-Free Payment Plans only require a monthly minimum payment totaling 3% of the balance. Pay the full balance within the specified timeframe and the deferred interest will be waived.
  • For those who would prefer small monthly installments and more time to pay, CareCredit also offers an extended payment plan option, so you can finance treatment up to 5 years with low interest rates and low monthly installments.

* Complete details and terms.

CareCredit FAQ

Approval is based on information from your credit application and past credit history. This includes information from the primary applicant as well as any co-applicant.

You can use CareCredit to pay for any dental treatment including necessary procedures like root canals or cosmetic procedures like whitening, porcelain veneers, dental implants and more!

Yes, you can use CareCredit anywhere it is accepted for all different types of elective and cosmetic dentistry.

Yes, you can use CareCredit to pay for all out-of-pocket costs from elective procedures such as teeth whitening to acute needs such as a root canal. Furthermore, you may also use CareCredit for deductibles and co-payments.

LendingClub®

Payment plans to make your treatment more affordable.

Apply for LendingClub FinancingDentcare Now is pleased to offer flexible payment plans from LendingClub (formerly SpringStone Patient Financing). LendingClub is a peer-to-peer lender that enables patients to receive unsecured personal loans between $2,000 and $50,000. The standard loan period is three years. Payment plans offered through LendingClub have competitive rates with APRs as low as 4.99%, and best-in-class approval rates.

You can calculate potential monthly payment options. Or place an application in a few short minutes, and decisions are typically available in seconds. For more information, just ask our team or visit lendingclub.com.

LendingClub FAQ

You’ll need to be over 18 years of age, a U.S. citizen or resident alien, and currently reside in the U.S. You must have a U.S. Social Security Number, a street, rural route, or APO/FPO mailing address, and have a valid government-issued photo ID. If you have additional questions, call Dentcare Now at (703) 520-9985.

We understand that receiving the treatment your practitioner prescribed is important—so the payment plans offered through us give you the ability to finance up to $50,000.

For budget-friendly payments repaid over longer terms, Fixed-Rate Plans allow you to finance from $2,000 to $50,000 (amount available may vary based on state).

Credit accounts with Promotional Rate Plan also offer longer terms, with a 17.90% APR if paid in full during the 24,36, 48, or 60-month promotional period. If the balance is not paid in full after the promotional period, a 26.99% standard APR will apply to the remaining balance. Promotional Rate Plan financing amounts range from $1,000 to $32,000.

With credit accounts with Promotional No-Interest Plans, you can finance from $499 to $32,000 with no interest during the promotional periods of 6, 12, 18, or 24 months. If the balance is not paid in full after the promotional period, a 26.99% standard APR applies to any remaining balance.

Of course, these must be qualified treatment expenses, and the payment plan/credit account is subject to credit approval.

Plan options may vary by provider. If you still have questions, please call Dentcare Now at (703) 520-9985. We’re here to help.

Applying online is fast and easy. And you can apply anytime, 24/7. Most people get an answer in seconds. Of course, if you prefer, Dentcare Now can always apply for you in our office—just ask.

There’s no down payment, just fixed, predictable monthly payments. In fact, no payment is due for three to seven weeks.

LendingClub understands that every patient budget is different, so they offers a variety of options:

  • Fixed Rate Plans: APRs range from 4.99–24.99%. The rate is determined by the amount financed, term selected, and the applicant’s credit history.
  • Credit accounts with Promotional Rate Plans: A rate of 17.90% APR during the 24,36, 48, or 60-month promotional period. If you still have a balance at the end of the promotional period, you’ll be charged interest on the remaining balance going forward at the standard APR of 26.99%.
  • Credit accounts with Promotional No-Interest Plans: There is no interest, provided you pay in full in 6, 12, 18, or 24 months. If you still have a balance at the end of the promotional period, you’ll be charged interest on that balance going forward at the standard APR of 26.99%.

Payment plans offered through LendingClub Patient Solutions, with their participating bank partners, are easy to understand. Plan options may vary by provider, with no hidden surprises. Not all plans are available in all provider offices.

Most applications receive a decision in seconds but, at a minimum, you’ll hear from LendingClub before the end of the next business day.