Cost is one of the most common reasons patients put off treatment they actually want. The good news is that paying for cosmetic dentistry doesn’t have to mean paying all at once. Here’s a breakdown of the financing options available through The Cosmetic Dentists of Austin and how to figure out which one fits your situation.
Why Financing Is Worth Considering
Financing lets you start treatment sooner instead of saving up for years, and it can cover cosmetic procedures that dental insurance typically doesn’t touch. Spreading a larger investment into manageable monthly payments makes a lasting result more realistic without derailing your budget in the meantime.
Comparing Your Financing Options
Cherry offers no hard credit check to prequalify, 0% APR options for qualified applicants, and a choice of monthly payment plans.
CareCredit is a reusable health and wellness credit card accepted at more than 285,000 locations nationwide, with promotional financing available on purchases of $200 or more.
Proceed Finance provides loans from $1,500 up to $75,000 with repayment terms as long as 12 years, which tends to work well for larger treatment plans like full-mouth restoration.
Happen offers fixed monthly payments with no impact to your credit score just to check your rate, along with a clear payoff timeline from the start.
How Payments Typically Break Down
Depending on the plan and provider, monthly payments can start as low as $250. Standard terms usually run 48 to 60 months, with longer options up to 144 months available for more extensive treatment plans, and interest-free terms available for qualified patients.
How to Choose the Right Option for You
Start with what you’re financing. A single procedure like veneers or a dental bridge may fit comfortably on a shorter-term plan, while more extensive work like full-mouth restoration or multiple dental implants often benefits from a longer repayment term. Your credit situation matters too. If you’re unsure where you stand, Cherry’s no-hard-credit-check prequalification is a low-risk way to see what you might qualify for before committing to an application elsewhere.
Don’t Forget About Insurance
Even if your treatment is primarily cosmetic, it’s worth checking whether any part of your existing dental insurance applies. Our team can help you understand what’s covered so you know your actual out-of-pocket cost before choosing a financing plan.
Getting Started
The process starts with a complimentary consultation, where our financing coordinator reviews your options with you directly. From there, you apply online through your chosen provider, and once approved, we schedule your treatment.
Ready to Talk Through Your Options?
Schedule your complimentary consultation and we’ll help you find a financing plan that fits your budget and your smile goals.