Your budget shouldn’t limit quality dental care. Many patients delay essential dental treatments because they worry about the cost. Still, dental financing options make it possible to receive the care you need while managing payments in a way that works for your financial situation.
At SmilePro Dental, everyone deserves access to exceptional dental care. Our dental services include a wide range of treatments, and we offer flexible dental financing solutions to help make your dental health goals achievable and affordable.
Dental financing operates similarly to other healthcare financing programs. You apply for a payment plan through approved financing companies, receive approval for a specific credit amount, and then use those funds to pay for your dental treatments. This allows you to spread the cost of procedures over manageable monthly payments, rather than paying the whole amount upfront.
The application process is typically straightforward and can often be completed online or in our office. Many patients receive approval decisions within minutes, allowing them to move forward with necessary treatments without delay.
Dental financing can cover virtually any dental treatment you need. Whether you’re considering preventive care, restorative procedures, or cosmetic care options, financing plans can help make these treatments more accessible.
Standard procedures that patients finance include:
These financing options ensure you can prioritize your oral health without compromising your budget. Many patients find relief knowing they can address multiple dental concerns through manageable payment plans.
Dental emergencies rarely happen at convenient times, and the sudden need for treatment can create financial stress. Emergency dental financing offers a solution when unexpected dental issues arise, enabling you to focus on healing rather than worrying about the costs.
Dental financing offers several advantages for patients seeking quality care. The primary benefit is immediate access to treatment without waiting to save the full amount needed for procedures. This is particularly important for time-sensitive treatments where delays could lead to more complex problems.
Most dental financing programs offer various payment terms to match different budgets and preferences. You may find options ranging from short-term plans with no interest to longer-term plans with low monthly payments. This flexibility enables you to select the plan that best suits your financial situation.
Rather than depleting your savings account for dental treatments, financing allows you to maintain your emergency fund while still receiving necessary care. This approach provides peace of mind and financial security while investing in your oral health.
Selecting the best dental financing plan requires consideration of several factors. Start by evaluating your budget to determine what monthly payment amount feels comfortable without straining your finances. Consider the total cost of your treatment and how quickly you prefer to pay off the balance.
Interest rates and payment terms vary between financing companies, so comparing options helps ensure you make an informed decision. Some plans offer promotional periods with reduced or no interest, which can provide significant savings if you can pay off the balance within the specified timeframe.
Different financing companies offer varying interest rates based on your creditworthiness and the payment plan you select. According to the Consumer Financial Protection Bureau, understanding these terms before making a decision helps you make the best choice for your situation.
Dental insurance and financing can work together to maximize your benefits and minimize out-of-pocket costs. Many patients use their insurance coverage for eligible portions of treatment and then finance the remaining balance.
This combination approach often provides the most comprehensive coverage for expensive procedures. For example, if your insurance covers 50% of a treatment cost, you can finance the remaining 50% rather than paying the full amount.
Credit requirements for dental financing vary depending on the financing company and program you choose. Many dental financing companies offer options for patients with different credit profiles, including those with fair or limited credit history.
Some programs focus more on income and ability to pay rather than credit score alone. Others offer co-signer options or alternative approval methods for patients who may not qualify for traditional financing.
If traditional financing isn’t available, alternative options may include in-house payment plans or third-party programs designed for healthcare expenses. These solutions often provide more flexible approval criteria while still offering manageable payment options.
The application process for dental financing is typically quick and convenient. Most applications can be completed online before your appointment or in our office during your visit. You’ll need basic information, including your Social Security number, employment details, and income information.
Many financing companies provide instant approval decisions, allowing you to proceed with treatment planning immediately. If approved, you’ll receive information about your credit limit, interest rate, and payment options.
We commonly collaborate with other healthcare professionals to offer specialized care for complex dental cases and are committed to providing the best for your patients.
Dental financing opens doors to the quality care you deserve without the stress of large upfront payments. Whether you need preventive treatments, restorative procedures, or cosmetic enhancements, flexible payment plans make it possible to prioritize your oral health and achieve your smile goals. Dr. Salam Awad and our team at SmilePro Dental are dedicated to helping you find financing solutions tailored to your individual needs.
Don’t let financial concerns prevent you from receiving the dental care you need. Call our office at 313-277-3000 or complete a contact form to discuss your treatment options and learn more about our financing programs. Our knowledgeable team will help you explore payment plans that fit your budget, allowing you to start your journey toward optimal oral health and a confident smile.
Choose from a range of monthly payment plans, with qualifying 0% APR options. Applying is simple and does not impact your credit score. If you’re approved for financing, you can use your funds immediately. Manage your payment options using Cherry’s self-serve patient portal.
Approvals are valid for undefined days. Once that time period expires, you are welcome to reapply.
If you are eligible for an increase, you may request this through the Cherry Patient Portal. Increased approval amount and decision are subject to eligibility. If you do not see the button to “request an increase,” it means you are ineligible for an increase at this time.
Yes, Cherry does not have any prepayment penalties. If you have interest and pay off early, you’ll even avoid some of that interest.
No, if you’re eligible for a 0% APR offer, it doesn’t expire for the current approval. For example: If you were approved for a 6 month term with 0% APR, this promotion is valid until the end of term as long as you stay current with your payments.
Once you input your purchase price, you’ll be provided with the options you have for down payment. It is due when the practice confirms they will need the funds in order to move forward with your services. Remember to bring your bank issued debit or credit card* when you are ready for checkout.
*Making payments via Pre-Paid Debit Card or Credit Card will result in a 2.99% processing fee. There is no processing fee for making a down payment with a traditional Debit Card.
To request a refund, please contact SmilePro Dental directly.
We defer to the refund policies put in place by SmilePro Dental and cannot initiate a refund without their approval.
Once SmilePro Dental authorizes a refund we will deposit the refunded amount (full or partial) into your account. Your Cherry account status and loan balance are adjusted accordingly.
If a partial refund is issued, your loan amount will be adjusted to reflect your new remaining balance. If a refund is issued in full, any payments made on your loan will be returned to you.
Yes, Cherry may report the status of our borrowers’ accounts to Equifax, one of the major credit bureaus.
Cherry is required to report all payment history to the credit bureaus. This means we may also report late payments, missed payments, or other deliquencies on your account to the credit bureaus.
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25147 W Warren Ave, Dearborn Heights, MI 48127
(313) 277-3000
We build long lasting relationships with our patients, using leading edge technology to deliver a high quality and a unique dental experience.
