Payment Options
Dental Financing & Payment Options
All Smiles Family Dentistry offers financing options to help patients manage the cost of eligible dental treatment. Whether you're paying out of pocket or covering costs beyond your insurance benefits, our team can help you find an option that works.
Our Financing Partners
Pay-Over-Time Financing
Cherry
Cherry is a patient financing option that lets you split the cost of eligible dental treatment into manageable payments over time. Applying takes just a few minutes online, and you'll typically get a decision quickly. Approval and specific payment terms are determined by Cherry, not by our office.
Ask About CherryA direct online application link is coming soon — for now, contact our office and we'll help get you started.
Healthcare Credit Card
CareCredit
CareCredit is a healthcare credit card that can be used for dental treatment at our office, along with many other healthcare expenses. It works similarly to a credit card, letting you pay for care now and pay it off over time. Approval and terms are determined by CareCredit, not by our office.
Ask About CareCreditA direct online application link is coming soon — for now, contact our office and we'll help get you started.
How Dental Financing Works
In general, dental financing lets you receive treatment now and pay for it over a series of payments, rather than all at once. You apply directly with the financing company, and if approved, the amount is typically used toward your treatment cost at our office. Specific payment amounts, schedules, and any promotional terms are set by the financing provider and will be presented to you during the application process.
Why Patients Consider Financing
Financing can be a helpful option when a recommended treatment plan is larger than a patient wants to pay for in a single visit, when insurance only covers part of a procedure, or when there's no dental insurance in place at all. It's simply another way to make a treatment plan more manageable — not a requirement, and not the right fit for every patient or every case.
Financing and Dental Insurance
Financing and dental insurance aren't mutually exclusive — many patients use both. If you have insurance, our team can help estimate what your plan may cover first, and financing can then help cover any remaining out-of-pocket cost. If you're a new patient, this is a good conversation to have with our front desk before treatment begins so there are no surprises.
Frequently Asked Questions
What is dental financing?
Dental financing lets you pay for treatment over time instead of all at once, through a third-party provider like Cherry or CareCredit rather than through our office directly.
Does financing require a credit check?
Cherry and CareCredit each have their own application process, which may include a credit check. Specific requirements are determined by the provider, not by our office.
Can I use financing and dental insurance together?
Yes, many patients use both. Insurance can cover part of a treatment, and financing can help with the remaining out-of-pocket cost. Visit our Dental Insurance page for more on how coverage works.
How do I apply for Cherry or CareCredit?
Both are applied for directly through the provider. Contact our office and we'll point you to the right application and answer any questions about how it applies to your treatment plan.
Is approval guaranteed?
No. Approval, payment amounts, and terms are determined entirely by Cherry or CareCredit based on their own criteria — our office does not make that decision.
What if I have more questions about payment options?
Our front desk is happy to walk through your options, whether that's insurance, financing, or a combination of both. Contact our office anytime.
Questions about payment options?
Or call us directly at (818) 343-2244.