Patient Financing

Patient financing is a structured monthly payment plan for the portion of your treatment that insurance doesn't cover, or for treatment plans that fall entirely outside insurance (cosmetic care, orthodontics, some implant work). Instead of paying the full investment up front, you spread it across monthly payments through a reputable third-party lender. We offer it because premium care shouldn't be gated by what insurance happens to cover that year.

It depends on the lender. Our preferred partner Cherry approves credit scores as low as 520 with an industry-leading 75% approval rate. Our other partners, CareCredit and Lending Club, each use their own approval thresholds. None of them use a hard credit check at the application stage, so checking your eligibility doesn't hurt your score. We'd rather you apply and find out than self-disqualify.

Applying for an eligibility check with our partners runs a soft credit check, which does not affect your credit score. If you accept a loan and complete the financing, that step may show on your credit report the same way any other line of credit would. The application itself is risk-free to your score.

Any treatment we provide, from a single crown to a full smile makeover. Financing makes the most sense for cosmetic cases such as porcelain veneers, smile makeovers, and teeth whitening. It also fits orthodontics like Invisalign, dental implants, full-arch treatments like Teeth in a Day, and the portion of restorative work that runs above your annual insurance maximum. There's no procedure type that's off limits.

Try another. Each of our financing partners uses slightly different underwriting, so a no from one lender doesn't mean a no from all of them. Cherry, CareCredit, and Lending Club each have their own approval criteria. We can also talk through breaking treatment into phases so you can move ahead with what makes sense right now and finance the rest over time.

Yes. Most patients who use financing are using it for the portion of treatment that insurance doesn't cover. We file your insurance as a courtesy and apply whatever it reimburses to the total, then financing covers the rest. The two work together, not against each other.

Minutes, usually. Most of our partners run a soft credit check at the application stage and return a decision in seconds. Cherry, in particular, was built around instant approval. You can apply from your phone the same day as your consultation and have an answer before you leave.

For anything related to servicing your Cherry loan, including payments, balance, account changes, and autopay, contact Cherry directly. Once the loan is funded, they handle it from there and we don't have visibility into your account on our end. Cherry customer support is at (888) 839-7171, Monday through Friday 9am to 9pm ET and Saturday 9am to 6pm ET. You can also email support@withcherry.com or sign in to your account at consumer.withcherry.com.

For anything related to your CareCredit card, contact CareCredit directly. Synchrony Bank issues and services the card and they handle payments, balance, promo period status, account changes, and lost or stolen cards. CareCredit cardholder support is at (866) 893-7864, Monday through Sunday 8am to midnight ET. You can also sign in to your account at carecredit.com for live chat and online account management.

For anything related to your Lending Club Patient Solutions account, contact the bank that services your account. Comenity Capital Bank handles the patient credit accounts, including payments, balance, promo period status, and account changes. Comenity Capital Bank customer support is at (866) 954-9258, with TDD/TTY at (888) 819-1918. You can also manage your account online at comenity.net/lendingclubpatientsolutions.