Is dental financing right for you?
If you need extensive dental work, dental financing is a great solution. Like any financing, you’ll pay over time with manageable monthly payments to get all the dental care you need. We work with a 3rd party – Care Credit for dental financing.
Apply for financing. No credit checks.
We keep your smile stress-free with third-party lenders that makes your care affordable with one low monthly payment.
Once you have a treatment plan, you can quickly and securely apply the same day with your office care team. Ask to apply and we’ll walk you through it.
Without impacting your credit, you can see your financing options within minutes.
Once your financing is approved, you can start your care the same day. From there, you’ll be able to manage your financing in low monthly payments within your budget.
Dental financing basics
Dental financing can feel complicated, but it doesn’t have to be. Let’s break it down so you can determine if it’s the solution for you.
What types of dental financing are available?
Our in house lenders will offer one of two types of dental financing: credit or a loan. Both are flexible ways for you to afford dental treatments with low payments designed for your budget.
Will my application affect my credit score?
Good news—applying for financing with Celebrate Dental’s in house lenders won’t impact your credit score. By answering a few questions, you can get a pre-qualified offer in minutes.
What credit score is needed for dental financing?
Regardless of your current credit history, we want to keep you healthy and smiling. Therefore, no one is considered to have bad credit at Celebrate Dental.
Your dental financing questions answered
How does dental financing work?
Dental financing at Celebrate Dental is provided by third-party lenders to offer you a flexible way to pay for your dental treatments. It provides access to the care you need without having to worry about the cost upfront.
Dental credit cards
Dental credit cards offer patients a line of credit to pay for their current and future dental treatments. Similar to traditional credit cards, your lender will set a credit limit for you to draw on up to a designated maximum amount. Similarly, you can use as much or as little of your credit line as you need, plus you can repay the borrowed funds on a flexible schedule.
Dental loans
Dental loans are unsecured personal loans that you can use to pay for dental procedures with a set monthly payment. Loans like this have a designated borrowing amount that will be repaid over a set period of time, typically through a series of equal payments called installments.
What is principal and interest?
Principal
Principal refers to the initial amount of money that’s borrowed. It does not include any interest that may be charged on a loan. For example, if you borrow $1,000 for your dental treatment, the principal amount of your loan is $1,000.
Interest
Interest is the cost accrued for borrowing money. It’s calculated as a percentage of the principal amount and is typically paid periodically, such as monthly or annually. For example, if you borrow $1,000 for your dental treatment at an annual interest rate (APR) of 5%, you will need to pay $50 in interest over the course of the year. The interest is added to the principal amount, meaning you would need to repay a total of $1,050 for a one-year loan term.
What is deferred interest?
Deferred interest is when your financing plan has a period of zero interest if your balance is paid off before the designated timeframe ends. If you can’t pay it in full by then, interest payments will be owed, often retroactively.
What does the term of the loan mean?
The term of a loan refers to the length of time you have to repay your loan. It’s the period between the date the loan is disbursed to you and the date it’s fully repaid. The term of your loan is typically expressed in months or years, depending on the duration of your loan.
The term of your loan is an important consideration when borrowing money as it can have a significant impact on the amount of interest you have to pay over the life of your loan. Generally, a longer loan term will result in lower monthly payments but may result in higher overall interest costs. On the other hand, a shorter loan term will result in paying higher monthly payments with lower overall interest costs.
What is a credit score?
Your credit score is a numerical representation of your creditworthiness. It’s used by lenders to evaluate your ability to repay debt(s) and to determine the level of risk associated with lending you money.
The most widely used credit scoring model is the FICO score, which ranges from 300 to 850. A higher credit score also indicates a lower risk of default, and is therefore seen as more favorable by lenders.
What determines good or bad credit?
Factors that impact your credit score may include your repayment history, amount of debt owed, length of credit history, types of credit used and new credit inquiries. It’s important for you to maintain a good credit score in order to have access to favorable credit terms and interest rates.
Why Our Patients Love Us
Hands down the absolute best dentistry in town!!! You can tell that they love what they do here.The energy is positive and bright. Dr.Lee & Michelle actually listened to me and made my whole experience beyond comfortable. I felt like they really wanted to help me. They care.They know how to communicate. Celebrate accepts all kinds of insurance. This place is a blessing.
They don’t make you wait 3 months to be seen either!
I had to add that my teeth look and feel amazing today. Dr.Lee went above and beyond!!!
Dr. M and Courtney were so great! My daughter is 14 months and this was her first visit. She’s also been teething so I was nervous of how the visit would go but it was super quick and went really well! I’m so happy our daughter has such a good dentist! They were so reassuring about all our concerns.
My daughter is 11 years old with high anxiety. She needed her baby K9 pulled and her adult k9 brought down in its place. We had been using another local dentist but they could not handle her needs so I scheduled an appointment without knowing anything about it. They were very knowledgeable and had great customer service. They got her in right away and when we arrived the office was very spacious and clean. Everyone was super nice and by the end of her appointment my daughter said she didn’t even want to leave! Dr. M was very professional and he was vert gentle with my daughter. He took time to explain everything to her before he did anything. Dr. M took his time to ask personal questions about us, he made us feel like family and his staff is superb. We were referred to Dr. Lee for further evaluation but he too was very professional, knowledgeable and kind to my daughter. I could not believe, I have not heard of this clinic before now. I have now switched my family of 4, to have our cleanings and all dental work done here. I would highly suggest Celebrate Dental to anyone!!
Such a great environment! Dr. M, Courtney, and all the others that helped us were such wonderful people! They were very calm and understanding. Listened to all of my daughter’s concerns. The best part was that they accepted our insurance! Finding a good dentist who takes Medicaid is so hard and I’m so glad we found them!
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