Flexible Dental Financing
Cost should never stand between you and your dental health. We offer multiple financing options to fit your budget.
We work with three financing partners so most patients can find a monthly payment that fits their budget. Cherry offers a soft credit check and 0% APR options with decisions in seconds. CareCredit offers 12–24 month promotional 0% APR periods. Healthcare Finance Direct has high approval rates for patients who have had difficulty qualifying elsewhere. All financing is subject to credit approval.
Choose the plan that works for you.
We work with three trusted financing partners, each with different strengths. Compare them below and apply in minutes.
Cherry
Patient financing designed for healthcare. Quick approvals, flexible terms, and a soft credit check to see if you qualify, no impact to your score until you accept.
- Soft credit check to pre-qualify
- Decision in seconds
- 0% APR options available
- Flexible payment terms
- No prepayment penalties
CareCredit
A healthcare credit card accepted at 260,000+ providers. Offers promotional 0% APR periods, ideal for larger treatment plans you want to pay off over 12, 18, or 24 months.
- 0% APR promotional periods
- 12, 18, 24+ month terms
- Accepted at 260k+ providers
- Reusable healthcare credit
- Apply online in minutes
Healthcare Finance Direct
In-house style dental financing with high approval rates and fixed monthly payments. A strong option for patients who've had difficulty qualifying with other lenders.
- High approval rates
- Fixed monthly payments
- No prepayment penalties
- Works alongside insurance
- Flexible down payment options
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.
Financing questions answered.
Dental financing lets you pay for treatment in monthly installments rather than all at once. You apply through one of our partners (Cherry, CareCredit, or HFD), get an approval decision in minutes, then begin your care. You repay the financing partner directly over your chosen term.
It depends on the provider. Cherry lets you check eligibility with only a soft credit inquiry, no impact to your score until you formally accept an offer. CareCredit and HFD may perform a hard inquiry on application. We recommend reviewing each provider's terms before applying.
Yes, all three partners allow early payoff without prepayment penalties. Paying off early can also reduce the total interest you pay. Contact your provider directly to confirm the process and 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 0% APR promotional periods. HFD is ideal if you've had difficulty qualifying elsewhere. Our front desk is happy to walk you through your options.
Yes. Financing can be used for most services including routine cleanings, Invisalign, implants, crowns, veneers, and emergency care. The treatment cost just needs to meet the provider's minimum amount. Talk to our team about your specific plan.
Absolutely. Many patients use financing to cover the out-of-pocket portion not covered by insurance, 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.