Flexible Financing for Your Dental Care

We believe everyone deserves access to quality dental care. Our financing options let you receive the treatment you need today and pay over time with manageable monthly payments.

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Why Finance?

Dental Care on Your Terms

Dental treatment can sometimes be unexpected — or simply more than your budget allows at once. Financing makes it possible to move forward without delay. For example, a $2,000 treatment can become as low as $89/month — and a $5,000 implant as low as $189/month — depending on the plan you choose.

Affordable Monthly Payments

Break the total cost of treatment into predictable monthly payments that fit your budget.

Quick Approval Process

Most applications take just minutes. Know your options before you leave the office.

No Need to Delay Treatment

Don't put off important dental work waiting to save up. Start treatment right away.

Multiple Flexible Options

We partner with three trusted financing providers so you can find the plan that works best for you.

Simple Process

How Dental Financing Works

Getting financing for your dental care is straightforward. Here's what to expect.

Receive Your Treatment Plan

During your consultation, we'll provide a detailed treatment plan and cost estimate.

Choose a Financing Partner

Select from Cherry, CareCredit, or HFD — each with different terms and features.

Apply in Minutes

Complete a quick application online or in our office. Most decisions are instant.

Start Your Treatment

Once approved, schedule your care and make comfortable monthly payments over time.

Our Partners

Financing Providers

We work with three trusted healthcare financing partners to give you the most flexible options possible.

“I was nervous about the cost of my implant, but Cherry approved me in under two minutes right at the office. The monthly payment was something I could actually work with. The team walked me through every step — I couldn’t have done it without them.”
David L. — Dallas patient   ★★★★★

Cherry

Cherry is a patient financing platform designed to make healthcare affordable. With flexible payment plans and a quick approval process, Cherry lets you split the cost of your dental care into easy monthly payments.

  • Decisions in seconds
  • Flexible repayment terms
  • 0% APR options available
  • No hard credit pull to check eligibility
Apply with Cherry

CareCredit

CareCredit is a healthcare credit card designed specifically for medical and dental expenses. It allows patients to pay for treatments over time with promotional financing options accepted at thousands of providers.

  • Promotional 0% interest periods
  • Accepted at 260,000+ providers
  • Dedicated healthcare credit line
  • Flexible monthly minimums
Apply with CareCredit

HFD – Healthcare Finance Direct

HFD provides flexible in-house style financing for dental care with predictable monthly payment plans. HFD focuses on approval accessibility, making treatment more affordable for patients who may not qualify elsewhere.

  • High approval rates
  • Fixed monthly payments
  • No prepayment penalties
  • In-house style flexibility
Learn About HFD Financing

Financing Disclosure: All financing is subject to credit approval and provided by third-party lenders (Cherry Technologies, Synchrony Financial/CareCredit, Healthcare Finance Direct). Spring Valley Dental Associates is not a lender and does not guarantee financing approval. Terms, rates, and eligibility vary by lender and applicant. Contact each provider directly for full terms.

Cherry Financing

Calculate Your Cherry Payment

Use Cherry's interactive tools below to explore payment plans, see how it works, and get answers to common questions.

Common Questions

Financing FAQs

Have questions about dental financing? Here are the most common ones we hear.

Dental financing allows you to pay for your treatment in monthly installments rather than all at once. You apply through one of our financing partners (Cherry, CareCredit, or HFD), get approved quickly, and then begin your dental care. You repay the financing partner directly over your chosen term.
It depends on the provider. Cherry allows you to check your eligibility with only a soft credit inquiry — meaning no impact to your score until you formally accept an offer. CareCredit and HFD may perform a hard inquiry upon application. We recommend reviewing each provider's terms before applying.
Yes — all three of our financing partners allow early payoff without prepayment penalties. Paying off your balance early can also reduce the total interest you pay. Contact your provider directly to confirm the process and confirm any remaining balance.
The best option depends on your credit profile, how long you'd like to repay, and whether you want a promotional interest period. Cherry is great for quick approvals and soft credit checks. CareCredit offers longer promotional 0% APR periods. HFD is ideal if you've had difficulty qualifying elsewhere. Our front desk team is happy to walk you through your options.
Yes. Financing can be used for most dental services including routine cleanings, Invisalign, dental implants, crowns, veneers, and emergency care. The treatment cost just needs to meet the financing provider's minimum amount. Talk to our team for specifics about your treatment plan.
Absolutely. Many patients use financing to cover the out-of-pocket portion not covered by their insurance — such as deductibles, co-pays, or treatments that exceed annual maximums. We'll provide a breakdown of your insurance benefit and remaining balance so you know exactly what to finance.

Have Questions About Financing?

Our team is happy to help you choose the best payment option for your treatment. We'll walk you through each provider and find a plan that fits your budget.

Proudly serving patients in Dallas, Addison, Farmers Branch, and the North Dallas corridor.
(972) 852-2222  •  14228 Midway Rd, Suite 100, Dallas, TX 75244

Schedule an Appointment Call (972) 852-2222