Third Party Finance Plans

Third Party Dental Finance Plans Information and Guide

There are many dental treatment payment plans available through various finance companies. Most have online sites where you can apply for financing; participating dental offices also have applications available.

What is Third Party Dental Financing?

Third Party Dental Financing refers to special payment plans via a program credit card account or loan that help you pay for specific dental procedures. Insurance companies generally do not cover “want based” procedures, which are often expensive. Dental financing plans are a convenient option to consumer credit cards, cash or checks. They allow you to pay over time instead of a lump sum prior to treatment. There are many different companies offering dental financing. Some companies have their own programs and manage the payment plan. Independent dental finance brokers act as liaisons between you and lenders, helping to find the best plan or interest rates available to you, depending on your credit history.

How do Third Party Dental Finance Plans work?

Different dental finance companies have different plans. Some offer short-term, low-interest plans. Others offer extended plans of up to 60 months. Some dental finance programs allow you a no interest payment plan or an extended low fixed-rate payment plan. This is often advantageous when you have extensive or expensive dental work to be done. Once approved, payment is made directly to your dentist; in some cases, before your procedure begins.

How long do I have to repay?

The length of time you have to pay depends on the payment plan of the particular dental financing company you choose. Promotional plans are often offered so it’s wise to check several companies to see what works best for you. Your dentist’s office staff may be able to help you determine what company and which plan would best suit your needs.

How do I get approved for these Dental Finance Plans?

Applications are available either at your dentist’s office or online at the dental finance companies’ websites. Approval is based on information from your credit application and past credit history. This includes information from the primary applicant, as well as any co-applicant.

What kinds of dental treatment can be financed?

All general and cosmetic procedures, from basic exams and fillings to dental implants, orthodontics, porcelain veneers, restorative dentistry, and invisible braces can be financed.

Want to spread payments for services out over time?

We offer an interest-free financing opportunity for all our patients so there’s something for everyone, no matter what your budget!