For Payment & Financing, we accept Care Credit and Sunbit.

Care credit Benefits:

1. Promotional Financing and Interest-Free Options
* CareCredit offers short-term promotional financing, including no-interest options if the balance is paid within a specific promotional period (such as 6, 12months)
* Patients can manage large, unexpected dental expenses or costly procedures over time without extra finance charges.

2. Covers Both Routine and Cosmetic Care
* The card applies to a wide variety of treatments, from routine preventive cleanings and fillings to major restorative work like crowns, bridges, and implants.
* It also covers elective cosmetic dentistry—such as teeth whitening, veneers, and clear aligners—that standard dental insurance typically excludes.

3. Fast Approval and Immediate Treatment Access
* The application process is quick and can be completed online or right at the dental office, with many applicants receiving an immediate decision
* Approved patients can begin their procedures right away instead of delaying crucial oral health care due to upfront costs.

Sunbit Benefits:

1. High Approval Rates
* Sunbit boasts an approval rate of roughly 85% to 87%.
* It uses alternative underwriting and machine learning to look beyond standard FICO scores, making it highly accessible for patients with limited, fair, or damaged credit history.

2. Application Involves No Hard Credit Check
* The initial application takes under a minute and relies solely on a soft credit check, meaning patients can check their eligibility with zero impact on their credit score.
* CareCredit relies on a traditional credit approval process that requires a hard credit inquiry.

3. No Deferred Interest or Hidden Fees
* Sunbit does not use a deferred interest model; they do not charge retroactive interest from the purchase date if you miss a deadline.
* The platform features transparent billing with no late fees, no application fees, and no prepayment penalties.