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Financing Options

Quality dental care for your child shouldn’t be limited by financial constraints. House of Smiles Pediatric Dentistry & Orthodontics partners with leading healthcare financing companies to provide flexible, affordable payment solutions for every family. Our comprehensive financing options allow you to begin your child’s treatment immediately while spreading the cost over manageable monthly payments that fit your budget.

CareCredit Healthcare Financing

Our preferred financing partner, CareCredit, offers the most comprehensive healthcare financing solutions with options designed specifically for dental and orthodontic treatment.

Promotional Financing Options

  • 6 Months No Interest: Perfect for smaller treatments and routine care
  • 12 Months No Interest: Ideal for moderate treatments like fillings and crowns
  • 18 Months No Interest: Great for comprehensive dental work
  • 24 Months No Interest: Excellent for orthodontic treatment down payments

Extended Payment Plans

  • Fixed Monthly Payments: Predictable payments for 24, 36, 48, or 60 months
  • Low Interest Rates: Competitive rates for longer-term financing
  • No Prepayment Penalties: Pay off your balance early without fees
  • Flexible Payment Dates: Choose payment dates that work with your budget

CareCredit Benefits

  • Instant Approval: Get approved in minutes, often during your appointment
  • No Annual Fees: No ongoing fees for having the card
  • Reusable Credit: Use available credit for future treatments
  • Family Coverage: Cover treatments for your entire family
  • Nationwide Acceptance: Use at thousands of healthcare providers
Child with doctor in the office shows thumb .

Third-Party Financing Partners

Lending Club Patient Solutions

Specialized medical financing with competitive rates:

  • Fixed Interest Rates: Know exactly what you’ll pay each month
  • No Prepayment Penalties: Pay off early without additional costs
  • Quick Online Application: Apply and get approved online
  • Direct Payment to Provider: Funds sent directly to our office

Flexible financing designed for healthcare needs:

  • Terms Up to 7 Years: Extended payment options for major treatments
  • Fixed Monthly Payments: Predictable payment amounts
  • No Collateral Required: Unsecured financing based on creditworthiness
  • Same-Day Funding: Quick approval and funding process

Comprehensive healthcare financing program:

  • Special Promotional Rates: Limited-time offers with reduced rates
  • No Annual Fees: Keep more money in your pocket
  • Online Account Management: Manage your account online 24/7
  • Automatic Payment Options: Set up autopay for convenience

Specialized financing for elective healthcare procedures:

  • Promotional Financing: No interest if paid in full within promotional period
  • Flexible Payment Terms: Choose terms that fit your budget
  • Easy Application Process: Simple online or in-office application
  • Dedicated Customer Service: Healthcare-focused customer support
Dentist, tooth model and woman with child in clinic for extraction, cleaning and wellness. Healthcare, dentistry and girl with hygienist explain for dental hygiene, oral care and medical services.

In-House Financing

Interest-Free Payment Plans

We offer our own financing options for qualified families:

  • No Interest Charges: Pay only the treatment cost with no added interest
  • Flexible Terms: 6, 12, or 18-month payment plans available
  • No Credit Check: Approval based on income and payment history
  • Family Discounts: Special rates for multiple children

Extended Payment Plans

For larger treatments, we offer longer payment terms:

  • Up to 24 Months: Extended terms for comprehensive treatments
  • Low Monthly Payments: Spread costs over longer periods
  • Customized Plans: Tailored to your specific financial situation
  • Automatic Payments: Set up autopay for convenience

Orthodontic Financing

Comprehensive Orthodontic Plans

Special financing designed for orthodontic treatment:

  • No Down Payment Options: Begin treatment with no upfront cost
  • Treatment-Length Financing: Payments spread over entire treatment period
  • Family Discounts: Reduced rates for multiple children in treatment
  • Flexible Adjustment: Modify payments if treatment duration changes

Orthodontic Payment Schedules

  • Monthly Payments: Consistent payments throughout treatment
  • Quarterly Payments: Payments every three months
  • Bi-Annual Payments: Payments twice per year
  • Annual Payments: Single annual payment with discount
Playing dentist in the dental office. The patient is happy and satisfied.
Young orthodontist checking patient in dentist's office

Pediatric Dental Financing

Preventive Care Financing

Even routine care can be financed:

  • Annual Care Plans: Spread the cost of regular checkups and cleanings
  • Family Plans: Cover multiple children’s preventive care
  • Seasonal Payments: Align payments with your cash flow
  • Bundled Services: Package multiple services for better rates

Restorative Care Financing

Financing for necessary dental treatments:

  • Emergency Treatment Plans: Immediate financing for urgent care
  • Comprehensive Treatment Plans: Financing for multiple procedures
  • Phase Treatment Plans: Spread complex treatments over time
  • Priority Treatment Plans: Focus on urgent needs first

Application Process

Online Applications

Apply for financing from the comfort of your home:

  • Secure Online Forms: Protected application process
  • Instant Decisions: Many applications approved immediately
  • Document Upload: Submit required documents electronically
  • Status Tracking: Monitor application progress online

Apply during your appointment with our team’s assistance:

  • Immediate Processing: Apply and get approved during your visit
  • Personal Assistance: Our team helps with the application
  • Same-Day Treatment: Begin treatment immediately upon approval
  • Multiple Options: Apply for several financing options at once

What you’ll need to complete your application:

  • Personal Information: Name, address, phone number, email
  • Employment Information: Current employer and income details
  • Banking Information: Checking account details for payments
  • Identification: Driver’s license or state ID

Credit Requirements

Credit Score Guidelines

Understanding credit requirements for different financing options:

  • Excellent Credit (750+): Qualify for all programs with best rates
  • Good Credit (650-749): Qualify for most programs with competitive rates
  • Fair Credit (550-649): May qualify for select programs
  • Limited Credit: Special programs available for those building credit

Alternative Options

For those with credit challenges:

  • Co-Signer Programs: Apply with a qualified co-signer
  • In-House Financing: Credit-based approval through our office
  • Secured Financing: Options requiring collateral
  • Payment Assistance Programs: Need-based assistance for qualifying families
Happy kid showing thumbs up after having dental check-up by two dentists at dental clinic.
Dentist examining teeth of a young woman patient in a dental clinic. Dentistry concept. Dentist and patient in the dental office.

Managing Your Financing

Online Account Management

Convenient tools to manage your financing:

  • Make Payments: Pay online 24/7
  • View Statements: Access account statements and payment history
  • Set Up Autopay: Schedule automatic payments
  • Update Information: Change contact information and payment methods

Mobile App Access

Manage your account on the go:

  • Mobile Payments: Pay from your smartphone
  • Account Alerts: Receive payment reminders and account updates
  • Customer Support: Access help and support through the app
  • Account Summary: View balance and payment information

Frequently
Asked Questions

How quickly can I get approved for financing?

Many financing applications are approved instantly, while others may take 24-48 hours.

Yes, most financing options can be used for any treatment we provide.

We offer several financing options for people with various credit situations, including co-signer programs.

Most of our financing partners don’t charge prepayment penalties, allowing you to pay off balances early.

Yes, you can apply for several options to find the best terms for your situation.

Getting Started

Schedule a Consultation

Meet with our financial team to discuss your options:

  • No-Obligation Consultation: Free review of financing options
  • Personalized Recommendations: Options tailored to your situation
  • Application Assistance: Help with completing applications
  • Treatment Planning: Coordinate financing with treatment plans

Treatment Coordination

We work with you to coordinate financing with treatment:

  • Treatment Timing: Schedule treatments based on financing approval
  • Payment Scheduling: Align payments with your financial situation
  • Ongoing Support: Continued assistance throughout treatment
  • Plan Modifications: Adjust plans as needed
Boy smiling with mother at the dentist's reception desk, registering for dental checkup.