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How Does Care Credit Dental Financing Work?

A patient easily signs up for care credit dental financing.

Are you in need of dental care but worry how you’ll be able to afford it? Maybe you have a tooth that’s been causing you trouble, but you’ve been putting off making a dentist appointment for fear of what the bill will look like afterward. Or maybe you dream of rejuvenating your smile, but dismiss that dream due to the costs that would come along with it. Take it from us, there’s no sense in putting your dental needs on hold, especially when flexible payment options are more accessible now than ever. Today, we want to share one payment option in particular: Care Credit.  

What Is Care Credit?

Care Credit is a credit card that can be used to pay for a variety of out-of-pocket health and wellness expenses, including dentistry! Eligible Care Credit dental expenses include the following:

Preventative Dentistry

  • 6-month check-ups

  • Endodontics

  • Periodontics

  • Periodontal scaling

  • Periodontal disease prevention

  • Gingivitis prevention

  • Fluoride treatment

  • Ceramic Fillings

  • Sealants

  • Teeth cleaning

  • Mouth guards for sports

Restorative & Cosmetic Dentistry

  • Dental implants

  • Ceramic crowns

  • Root canals

  • Braces or retainers

  • Invisalign teeth straightening

  • Lumineers

  • Veneers

  • Bite plates

  • Headgear

  • Tooth repair

  • Teeth cleaning

Care Credit also currently offers a promotion of “no interest if paid in full within 6, 12, and 24 months” for purchases of $200 or more. For purchases over $1,000, they offer special financing options for reduced APR over 24, 36, 48, and 60 months. To learn more about the interest rates associated with a Care Credit credit card, you can check out their FAQ page.

What Else Can I Use It For?

Care Credit isn’t just for dental expenses. Like we said before, it can be used for a variety of health and wellness expenses, such as:

  • Pharmaceutical

  • Primary care

  • Specialist care

  • Vision

  • Chiropractic

  • Dermatology

  • Cosmetic procedures

  • Funeral, burial, and cremation

  • Weight loss

  • Fitness

 … and more. You can even use your card to cover another family member’s expenses— even your pet’s!

So, now you know Care Credit isn’t just for the dentist’s office. In fact, you can use your card at over 260,000 partnered locations nationwide.

How Do I Get CareCredit?

If you’re interested in getting a Care Credit card of your own, you can apply either by phone or on their website. After applying, you will receive an instant decision that won’t affect your credit score. If accepted, you can start using your card immediately! To apply online, click here, or to apply by phone, call 1-800-677-0718.

Why We Recommend It

We recommend Care Credit dental financing to our patients for a variety of reasons. Care Credit is reputable, flexible, quick in its application process, and widely accepted at so many different health and wellness-related businesses. It’s a great way to allow patients to pay off procedures on their own terms, in a way that’s comfortable for them. Plus it’s different from traditional credit cards in that the interest rates are much more manageable, and the risk of running the balance up quickly without realizing is lower because it can only be used for health-related expenses.

We also love that patients can use it for cosmetic dentistry (and any of their other wellness wants) rather than being confined to using it only on expenses deemed “necessary” — aka the way insurance often works. As a practice that specializes in cosmetic dentistry, we recognize that having a beautiful smile is as beneficial to one’s well-being as having a healthy smile. And now with flexible financing available to you, you no longer have to choose between the two.