Dental implant financing

Implants and other big dental work can be split into monthly payments, but only through a plan your dentist offers. Compare the rates, how long you can take and what each one checks.

Compare options Before you sign up

How a dental loan adds up

  1. Treatment plan$15,000Financed with $0 down
  2. Every month for 5 years$341.2260 payments at 12.99% APR
  3. Total$20,473.20$5,473.20 in interest

Example from Happen Bank's own published terms. Your APR depends on your credit, and a 0% offer costs nothing extra if you keep to its terms.

Is it right for you?

Good for

  • Implants, crowns or braces you need now, with a fixed monthly payment
  • 0% promotional plans, if you can pay them off in time
  • Comparing offers: most let you prequalify without affecting your score

Watch out for

  • Long terms of 10 years or more keep the payment low but add a lot of interest
  • "No interest if paid in full" plans charge all the interest if you miss the payoff date
  • Your dentist may only offer one or two of these

Compare dental financing

Most of these work only at dentists that offer them, so ask the office which ones it takes before your treatment plan is final.

Listed A to Z, never by who pays us. We checked each company on its own website on Nov 13, 2026. Terms change and depend on you and your state, so confirm before you sign up.

  • CareCredit

    Dental · Vet · Medical · Hearing

    Cost
    Deferred interest for 6–24 months, or 14.90%–17.90% APR for 24–60 months
    Credit check
    Prequalify with no score impact; credit approval to open
    Where you can use it
    285,000+ dentists, doctors, vets and some stores

    A health and wellness credit card you can use again and again for care that costs $200 or more.

    "No interest if paid in full" is deferred interest: miss the payoff date and you pay interest back to the purchase date.

    How to get it: Apply online, by phone or at the provider. It works wherever CareCredit is accepted.

  • Cherry

    Dental · Medical

    Cost
    0%–35.99% APR, 1–60 months
    Credit check
    Soft check to apply
    Where you can use it
    60,000+ practices, mostly dental and med spa

    Payment plans at your practice, with 0% APR options for some patients and a down payment at checkout.

    Your plan is reported to credit bureaus about 30 days after it starts, and late fees can apply.

    How to get it: Ask your practice for its Cherry link, or find one with the Cherry Finder.

  • Happen Bank

    Dental · Vision · Fertility

    Cost
    0%–30.99% APR, 6–144 months, $500–$65,000
    Credit check
    Soft check to see offers; hard check only if you take a loan
    Where you can use it
    Dentists, eye doctors and fertility clinics that offer it

    Patient loans formerly sold as LendingClub Health and Wellness, from braces to dental implants, with $0 down.

    Your APR depends on your credit. Its own example is $15,000 at 12.99% for 60 months, $341.22 a month, about $5,473 in interest.

    How to get it: Ask your provider whether they offer Happen Bank financing, then check your offers online.

  • HFD

    Dental · Vet · Vision · Hearing

    Cost
    Not published; shown in your offer
    Credit check
    Looks beyond your credit score
    Where you can use it
    Dental, orthodontic, vision, hearing, vet and aesthetic providers

    Financing through providers that aims to approve almost every patient (formerly Healthcare Finance Direct).

    Its rates aren't published, so check the APR and total cost in your offer before you sign.

    How to get it: Your provider offers it.

  • Proceed Finance

    Dental

    Cost
    APR as low as 3.99%, terms up to 12 years, $1,500–$75,000
    Credit check
    Prequalify with no effect on your score
    Where you can use it
    Dentists in its network (15,000+ providers)

    Fixed-rate loans for bigger treatment plans such as implants, with no down payment and no prepayment penalty. Part of Optum Bank.

    Interest starts when the loan closes. Long terms lower the payment but raise the total: its own example is $25,000 at 10.99% for 144 months, $313.32 a month.

    How to get it: Ask your dentist whether they offer Proceed Finance, then prequalify online.

  • Sunbit

    Dental · Vet · Auto

    Cost
    0%–35.99% APR, 3–72 months
    Credit check
    Credit-based approval
    Where you can use it
    Dentists, auto repair, optical and vet clinics

    Pay over time for $50 to $20,000 at the place you get the service. No late fees or penalty APR.

    A payment is due at checkout, and the APR can be high if you don't get a 0% offer.

    How to get it: Apply at a business that offers Sunbit.

Before you sign up

  • Get the full plan in writing

    Ask for every stage of treatment priced, so you finance the whole cost once instead of stacking loans.

  • Ask about the office's own plan

    Some dentists offer an in-house payment plan or a membership discount that costs less than a loan.

  • Check your insurance first

    Dental insurance and HSA or FSA money can cover part of the bill, which lowers the amount you finance. Services such as Truemed cover health products, not dental bills.

Questions people ask

Can you finance dental implants?

Yes. Many dentists offer a medical credit card such as CareCredit, a payment plan such as Cherry or Sunbit, or a patient loan from a lender such as Proceed Finance or Happen Bank. You apply through the dentist or online with their link.

Can I get dental implant financing with bad credit?

Some options look beyond your credit score. HFD says it has a financing option for over 99% of patients, and Sunbit says most people who apply are approved. Expect a higher APR or a down payment.

Does checking my rate hurt my credit?

Usually not. CareCredit, Cherry, Proceed Finance and Happen Bank let you see offers with a soft check. A hard check can happen when you accept a loan or open an account.

Is a 0% plan really free?

A true 0% APR plan is. A deferred-interest plan, worded "no interest if paid in full", charges interest back to the start if any balance is left when the promotion ends.

More ways to split bills

All bill-splitting apps

Sources

Each company's own pages, checked Nov 13, 2026.

Meedsy is not a lender and does not make credit decisions. Some links may be affiliate links, and we may earn a commission if you sign up through them. That never changes how we list options. How we make money