Dental Implant Financing: Making Your Permanent Smile Affordable
The cost of dental implants stops a lot of people before they even schedule a consultation. You know you want permanent teeth. You understand the value. But the upfront number feels overwhelming.
Here’s what most patients don’t realize until they sit down with us. There are more ways to pay for dental implants than you probably think. Healthcare credit cards, traditional lenders, insurance benefits you might not know about, and payment plans that break everything into manageable monthly amounts.
Breaking Down the Numbers Before You Commit
Let’s talk about what drives the cost. It depends on how many teeth you’re replacing, what type of restoration you need, and if you need any prep work like extractions or bone grafting. Our financial coordinator goes through how much different tooth replacement options cost with every patient before anything moves forward.
Here’s the thing about implants. You pay once. Then they last 20, 30 years, sometimes longer. Spread that cost over two decades and suddenly the monthly impact looks different than that big upfront number.
Your Insurance Might Cover More Than You Think
Most people assume their dental insurance won’t touch implants. That used to be true. Not anymore. A lot of plans now cover part of the surgery, the restoration, or both.
We have an insurance coordinator who calls your provider and digs into what’s actually covered. Even if your plan won’t pay for the implants themselves, it might cover the extractions or bone grafting. That alone can drop your out-of-pocket cost by thousands.
CareCredit and Healthcare Financing
CareCredit
CareCredit is the big name everyone knows. It’s a healthcare credit card that lets you break dental implant payment plans into monthly chunks. They offer promotional periods with deferred interest if you qualify.
GreenSky
GreenSky works similarly but often approves higher credit lines. Some of their plans come with no interest if you pay off the balance before the promo ends.
Lenders That Work With Lower Credit Scores
Healthcare credit cards aren’t the only option. Several lenders focus on helping people who wouldn’t qualify through CareCredit or GreenSky.
Proceed Finance
Proceed Finance approves people with credit scores that other lenders turn down. They loan up to $60,000 with terms up to 96 months and fixed rates so your payment never jumps.
LendingClub
LendingClub has financed over 3 million members. You apply on your phone, get approved in minutes, and the money goes right into your bank account.
Compassionate Finance
Compassionate Finance approves 97 percent of applicants. You just need an active bank account. They do instant approvals with fixed rates and no surprise fees.
Lending USA
Lending USA offers something simple. Fast approval, fixed rates, and zero interest if you pay everything within six months.
Paying With Cash or Credit Cards
Some patients skip financing altogether. If you’ve been saving up or got an inheritance or bonus, we take cash, checks, and all major credit cards. No applications, no interest, just done.
This works well if you’re getting full arch restoration with four implants per arch and already set money aside. Sometimes paying upfront opens up courtesy discounts too.
Sitting Down With Our Financial Team
Every patient meets with our financial coordinator before starting treatment. No pressure. No sales pitch. Just someone who knows dental implant financing options inside and out, walking you through what works for your situation.
We pull your insurance benefits, talk about which lenders match your credit, and map out monthly payments. You leave knowing exactly what you’ll pay and how you’ll pay it.
Ready to Talk About Your Financing Options?
Cost shouldn’t keep you from permanent teeth. Between insurance benefits, healthcare credit, alternative lenders, and direct payment, there’s usually a path forward.
Schedule a consultation to talk about permanent tooth replacement and figure out what makes sense for your budget. We’ll go through everything until you’re comfortable with the plan.