Knowing Financing Options Can Help You Find a Dentist
2013 l 9:53 pm

If you are looking for a family dentist, one thing you will want to determine is if they offer ways to help pay for treatment. Dental care for a family can be expensive. Today’s tight economy can make things even worse, especially if you don’t have dental insurance. But that is no reason to forego any dental care. Many dentists offer ways to help patients finance dental procedures. Since wants to help you find a dentist that can meet all of your dental needs, here are some websites you can visit to sharpen your knowledge of dental financing:

CareCredit is an exclusive credit card for healthcare services that helps patients avoid paying interest charges by making minimum monthly payments. Payment terms range from 6 to 24 monthys, and you must pay off the full amount due by the end of the agreement period.

Springstone Patient Financing provides payment plans for elective dental procedures. Features include an online application process, no initial fee or prepayment penalty, choice of payment plans at no interest for amounts up to $25,000, and financing up to $40,000 on extended plans with 3.99% APR.

American Financial Services is a low-cost patient financing system. Dentists can set credit limits, interest rates and repayment schedules. The company promises 100% acceptance with no rejections. has limits from $1,000 to $25,000, with rates starting as low as 9.99%. Different options include Fixed Interest Rates, Deferred Interest, and Fixed Low Monthly Payments. Bad credit financing is available with a co-signer.

Advance Care Card advertises a special introductory APR of 0% for the first six or fifteen billing cycles. There is no annual fee. You can apply online and quickly receive a decision. The card can be used for other family members without having to reapply for another card.

Citi Health Card allows access to flexible payment plans and revolving credit options. No down payment is required and there are no pre-payment penalties. There is no need to reapply for additional treatments and the account can be used for all family members.

Before signing up for any of these plans it’s a good idea to read their websites thoroughly, as rates and details may change. This is not a comprehensive list so be sure to ask prospective dentists what else they may have available.

How important is it to know that a prospective dentist might offer financing options? Leave a comment below and tell us what other insights you would like to have when searching for a family dentist. Further information on may be found at, by email at, following ChooseYourDentist on Twitter, or by calling 1-888-I-CHOOSE.