Financing & Insurance | Flexible Payment Options

Making Dental Care Affordable

At Smile4Me Dental Care, we believe that everyone deserves access to quality dental care. We understand that dental treatments can be a significant investment, which is why we offer multiple financing options and work with most major insurance providers to help make your dental care as affordable as possible.

Whether you need a routine cleaning or a more extensive procedure like dental implants, our team will work with you to find a payment solution that fits your budget.

Flexible Financing Options

Healthcare credit card for dental procedures

0% APR options, flexible payment plans

99%+ approval rate, no credit impact

Low rates, long repayment terms

500-850

Credit Score Range

Options for most credit profiles

2 Years

Interest-Free Financing

For qualifying patients

1-10 Years

Flexible Terms

Choose your payment timeline

Insurance We Accept

We work with most major dental insurance providers to help maximize your benefits. Our team will verify your coverage and explain what your plan covers before treatment begins.

Please Note: We are not a Medicaid provider.

Don't see your insurance listed? Contact us to verify if we accept your plan.

How Financing Works

Apply Online

Quick application through our financing partners. Most decisions are instant.

Choose Your Plan

Select the payment term that fits your budget, from 1 to 10 years.

Get Your Treatment

Start your dental care right away with manageable monthly payments.

Questions? Contact Us

Financing & Insurance FAQs

What financing options do you offer?

We partner with CareCredit, Cherry, HFD, and Proceed to provide flexible payment plans. These options allow you to spread out the cost of your dental care over time, making treatments more affordable and accessible.

What credit score do I need to qualify for financing?

Our financing partners work with a wide range of credit scores, typically from 500 to 850. Even if you have less-than-perfect credit, you may still qualify for a payment plan. We encourage you to apply and see what options are available to you.

Do you offer interest-free financing?

Yes! We offer up to 2 years of interest-free financing for qualifying patients. This means you can pay for your dental treatment over time without any additional interest charges, making it easier to budget for your care.

How long can I finance my dental treatment?

Our financing options range from 1 to 10 years, depending on the treatment cost and your preferences. Longer terms mean lower monthly payments, giving you the flexibility to choose what works best for your budget.

What insurance plans do you accept?

We accept most major dental insurance plans including Aetna, Blue Cross Blue Shield, Cigna, Delta Dental, Guardian, MetLife, and United Health. Our team will help verify your benefits and maximize your coverage.

Can I use insurance and financing together?

Absolutely! Many patients use their insurance to cover a portion of their treatment and then finance the remaining balance. This combination helps make even extensive dental work more manageable.

How do I apply for financing?

Applying is quick and easy. You can apply online through any of our financing partners' websites, or our staff can help you apply in-office. Most applications receive an instant decision, so you'll know right away if you're approved.

Will applying for financing affect my credit score?

Most of our financing partners offer a soft credit check for pre-qualification, which does not affect your credit score. A hard credit inquiry only occurs if you proceed with a full application after pre-approval.