Affordable payment solutions for quality dental care
Quality dental care should be accessible to everyone, regardless of budget constraints. At Alta Dental Group, we’ve partnered with multiple financing providers and offer various payment options to ensure you can receive the treatment you need without financial stress holding you back.
We believe financial concerns should never prevent you from achieving optimal oral health. Alta Dental Group works with four trusted financing partners, each offering unique benefits designed to meet different financial situations and treatment needs. Whether you’re planning a minor restorative procedure or a comprehensive treatment plan, we offer flexible options to help make your dental care more manageable.
Our financing partners include CareCredit, Cherry, Sunbit, and Proceed, giving you the flexibility to choose the solution that best fits your payment preferences. Each financing option offers different approval criteria, credit check types, and payment structures, ensuring that virtually every patient can find a path forward. Beyond third-party financing, we also accept Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA), allowing you to use pre-tax dollars for your dental expenses.
We encourage patients to explore all available options during their consultation. Our knowledgeable team can walk you through each financing solution, helping you understand approval requirements, payment terms, and which option might work best for your specific situation and treatment plan.
Financing approval, payment terms, and interest rates are determined by the third-party financing provider and are subject to credit approval. Alta Dental Group does not control financing decisions or terms.
Applying for dental financing at Alta Dental Group is designed to be quick and stress-free. Most patients complete the entire application process during their consultation appointment, receiving approval decisions within minutes. Our team is here to guide you through every step and answer any questions you might have about the process.
During your initial consultation, we’ll discuss your dental needs and develop a comprehensive treatment plan. Our team will provide you with a detailed cost estimate and review all available payment options that align with your financial situation.
Based on your treatment cost and personal preferences, select the financing partner that best meets your needs. Our staff will help you understand the differences between each option so you can make an informed decision.
Most financing applications can be completed right in our office, often on a tablet or smartphone. The application process typically takes just a few minutes, and many patients receive instant approval decisions.
Once approved, you can move forward with your dental treatment immediately. Your financing partner will provide clear information about your payment schedule, interest rates, and any promotional terms you may qualify for. You’ll have peace of mind knowing your payment plan is in place before treatment begins.
Not all financing applications affect your credit score the same way, and understanding the difference can help you make an informed decision about which financing option to pursue. At Alta Dental Group, we offer both soft credit check and hard credit check financing options, giving you control over how financing applications impact your credit profile.
Cherry and Sunbit utilize soft credit checks during their application process, meaning your credit inquiry won’t impact your credit score. This makes them excellent options for patients who want to explore financing possibilities without affecting their credit standing. These options work particularly well for smaller treatment cases, such as crowns, bridges, or other restorative procedures.
CareCredit and Proceed utilize hard credit checks, which may have a temporary impact on your credit score. However, these options often provide more substantial credit lines suitable for comprehensive treatment plans like dental implants, full mouth reconstructions, or multiple procedures. CareCredit functions like a healthcare credit card that can be used at various medical and dental providers, while Proceed operates as a structured loan with defined payment terms.
We understand that financing dental care can raise questions, and we’re here to provide clear answers. Below are some of the most common questions our patients ask about payment options at Alta Dental Group.
The best financing option depends on your treatment cost and personal preferences. For smaller procedures, Cherry and Sunbit offer soft credit checks that won’t affect your credit score. For larger treatment plans or if you prefer a healthcare credit card for future use, CareCredit might be the better choice. Our team can review your specific situation and help you select the most appropriate financing solution during your consultation.
Most of our financing partners provide instant or same-day approval decisions. Applications typically take just a few minutes to complete, and many patients receive approval while still in our office. This means you can often move forward with treatment planning immediately after your consultation without delays.
Absolutely. We gladly accept both Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) for dental treatments. Using these accounts allows you to pay for dental care with pre-tax dollars, making your treatment more affordable. You can also combine HSA or FSA funds with financing options if needed to cover your complete treatment cost.
Ready to explore your financing options? Contact our office to schedule a consultation and our team will walk you through every available solution to help make your treatment plan work for your budget.
