Dental Financing Options

CareCredit functions like a dedicated health and wellness credit card that you can reuse for future dental or medical expenses after your current balance is paid off. Cherry is a buy-now-pay-later style plan built specifically around one treatment at a time, with a fast mobile application. Both offer monthly payment plans, but Cherry tends to approve a broader range of credit profiles, while CareCredit offers a reusable credit line for ongoing care.

Both CareCredit and Cherry typically use a "soft pull" to pre-qualify you, which does not affect your credit score. A full credit check only happens if you move forward and formally accept a plan, which is standard practice for most financing products. Our team can walk you through each step so there are no surprises before you submit an application.

Most applicants receive a decision within just a few minutes of submitting their application through CareCredit or Cherry. Because the process is entirely digital, you can apply from your phone in our waiting room and often know your approval status before your appointment even ends.

Financing is most commonly used for larger treatments like crowns, root canals, extractions, or multi-visit treatment plans, since smaller routine visits are often fully or partially covered by dental insurance. That said, both CareCredit and Cherry can be applied toward almost any balance at our office, including combined visits, if you'd prefer to spread the cost over several months.

Not necessarily. Cherry is known for approving a wider range of credit backgrounds, and CareCredit also considers applicants across varying credit histories. Approval amounts and terms may differ depending on your profile, which is exactly why we encourage patients to check both options rather than assuming they won't qualify.

Yes, and we strongly recommend it when possible. Our team will typically submit your treatment to your insurance plan first, then help you finance only the remaining balance through CareCredit or Cherry. This usually results in a smaller monthly payment than financing the full treatment cost on its own.

Both CareCredit and Cherry work well for a wide range of treatment amounts, though extremely small balances may not make sense to finance given monthly minimums. Our front desk team can quickly tell you whether your specific treatment total qualifies for either plan before you apply.

Our office staff can answer general questions about how financing works with your treatment plan, but billing details, interest rates, and payment due dates are managed directly through CareCredit or Cherry's own customer service and account portals. We're always happy to point you in the right direction or sit down with you during your visit to go over the basics beforehand.