Question 1

How much can I finance?

Accepted Answer

Up to $60,000 at 0% APR for qualified patients. Above $60,000, we can layer multiple lenders or extend terms to 84 months at low APR. The most common case we finance is an All-on-6 full-arch restoration at $20,000–$40,000 over 60 months at 0%.

Question 2

Will applying hurt my credit score?

Accepted Answer

No — our pre-qualification uses a soft credit pull that doesn't affect your score. You only get a hard pull if you proceed to the formal application, and even then it's a single pull, not multiple. The whole process takes about 90 seconds.

Question 3

What if I'm declined?

Accepted Answer

About 2 in 10 patients are declined by our prime lender. When that happens, we automatically run you through our subprime healthcare lender pool, which approves down to ~580 with a small down payment. If both decline, we'll discuss in-house payment plans or a phased treatment approach.

Question 4

Do you accept insurance?

Accepted Answer

Yes — most PPO plans. Insurance typically covers $1,500–$3,000 of an implant case, which reduces the amount you need to finance. Your consultation includes a benefits verification so you know exactly what's covered before treatment.

Question 5

Can I combine insurance with financing?

Accepted Answer

Absolutely — and most patients do. Insurance pays its share at the time of treatment; you finance the remaining patient responsibility. The math usually looks like: insurance $2,500, financing $17,500 at 0% APR for 60 months = $292/month total out-of-pocket.

Question 6

Is there a down payment?

Accepted Answer

For prime-credit patients (mid-660s+), no down payment is required for amounts up to $60,000. Below that credit tier, lenders typically require 10–20% down. We accept HSA/FSA, debit, credit, or check for any down payment.

Question 7

What if I lose my job mid-treatment?

Accepted Answer

Your treatment continues — we don't pause work because of payment changes. Most lenders offer hardship deferments of 30–90 days; we'll help you contact them. We've never had a patient unable to complete treatment due to financing issues.

Question 8

Is the $145 consult fee refundable?

Accepted Answer

Yes — your $145 consultation includes a 3D CBCT scan, full treatment plan, and written all-inclusive pricing. The fee is fully refundable as a credit toward treatment if you book. Worst case, you walk away with the scan, the plan, and your $145 back.

Can't afford dental implants?
You might be surprised.

We work with the people most practices don't.

From $149/month — for a full smile rebuild.

Mid-600s and up qualify regularly.

Millionaire money strategies,made possible by friendship.

What lenders actually look at.

Mid-600s credit and up

Verifiable income

U.S. citizen or permanent resident

Co-signer optional, not required

Up to $60,000 financed at 0% APR.

About dental implant financing

Talk to us before you assume.

Other ways we can help.

Dental Implants

All-on-6 · Permanent Teeth in a Day

Cosmetic Dentistry

Veneers

Invisalign

The doctor in the room is the one who does everything.

Can't afford dental implants?You might be surprised.