At Pearl Shine Dental, we believe quality care should always be accessible. Even if your insurance doesn’t cover all your treatment costs—or you’d rather not pay for everything upfront—we make it simple to get the care you need. Through our trusted third-party financing partners, you can split your payments into smaller, more manageable amounts over time. Contact our team today to learn more or begin your financing application.
Working To Make Dental Care Affordable
Everyone’s budget is different, and we understand the importance of flexibility. That’s why Pearl Shine Dental partners with trusted lenders who make it easier to prioritize your oral health. These financing programs offer low monthly payments, quick approvals, and even 0% APR promotions for qualified applicants. Our team will help you explore your options and choose the one that best fits your needs.
How External Dental Financing Works
External financing allows you to receive your treatment now and pay for it later in smaller, predictable installments. Most applications take just minutes and provide instant decisions—often without a hard credit check. It’s an easy, stress-free way to move forward with your care confidently.
Benefits Of Third-Party Financing Include:
- Fast approval: Receive a decision in minutes
- Flexible repayment terms: Choose the plan that fits your budget
- No large upfront costs: Spread payments over time
- Possible 0% APR options: Available for eligible applicants
Cherry®
Cherry offers a convenient “buy now, pay later” option for your dental care. The online application takes less than 60 seconds and won’t impact your credit score. Qualified patients can enjoy flexible repayment plans and 0% APR options that make managing treatment costs simple and affordable.
Why Patients Choose Cherry®:
- Quick process: Apply online in under 60 seconds
- No hard credit check: See if you qualify instantly
- Flexible terms: Select a repayment plan that works for you
- 0% APR promotions: Available for eligible applicants
CareCredit®
CareCredit is one of the most recognized healthcare financing programs nationwide, helping patients pay for expenses not covered by insurance. It offers both short-term and long-term financing options, giving you the freedom to pay over time with either no-interest or reduced-interest plans.
CareCredit® Highlights:
- Short-term financing: 6–24 months with no interest on purchases of $200+ if paid in full within the promo period
- Long-term options: 24–60 months with reduced APR and fixed monthly payments
- Simple application: Quick online process with instant results
Sunbit®
Sunbit makes financing dental care quick, easy, and stress-free. With a 90% approval rate and a 30-second online application, you can receive instant approval for financing up to $20,000. Flexible repayment terms from 3 to 72 months let you find a plan that fits your lifestyle.
Benefits Of Sunbit®:
- High approval rate: Over 90% of applicants approved
- Fast application: Simple 30-second process
- Flexible terms: 3–72 month repayment options
- 0% interest options: Available for qualifying applicants
Proceed Finance®
Proceed Finance specializes in larger dental treatment financing, offering plans up to 96 months with no collateral required. Interest rates can start as low as 3.99%, and you can check your personalized rate online without affecting your credit score.
Why choose Proceed Finance®:
- Extended loan terms: Up to 96 months
- Low monthly payments: Affordable long-term solutions
- No credit impact: Prequalify instantly online
LendingClub®
LendingClub offers personal loans designed to help patients cover dental expenses with low fixed rates and predictable payments. You can finance up to $40,000, and most borrowers receive funding within just a few days. Checking your options online will not affect your credit score.
LendingClub® Features:
- Quick funding: Receive funds within days
- Fixed rates: Consistent monthly payments
- Simple process: Apply online and explore personalized offers
Questions About Financing?
If you’re ready to explore your payment options, we’re here to help every step of the way. Our team will walk you through each program and assist with your application so you can feel confident about your choice. Contact Pearl Shine Dental today to get started and make your dream smile more affordable.