Dental financing is as easy as 1-2-3
Helping you find financing solutions for your dental care is just one way we do anything to make you smile. You can even finance dentures, implants and Motto™ clear aligners.
Apply in office
You can apply quickly and securely during your office visit.
Pre-qualify in minutes
See your options within minutes—without impacting your credit.
Get approved
You could start your treatment the same day when you say yes.
Our Patient Financing Promise
At Aspen Dental, we strive for your total satisfaction, even with your financing solutions. The Aspen Dental Patient Financing Promise allows you to cancel your financing within 5 days of offer acceptance. You will still be responsible for any treatment costs already incurred. Simply call your local Aspen Dental office for more information. That’s our promise.
More ways we make care affordable
Most insurance accepted
Aspen Dental is an in-network provider for most major insurance carriers, including Delta Dental, United Healthcare, Blue Cross and Blue Shield and Humana. We will work with any out-of-network commercial insurance plan as well. We do not accept Medicaid. Call your local office to find out if we take your insurance.
What else can we help with financing and insurance?
What is dental financing?
At Aspen Dental, doing anything to make you smile means giving you payment plan options that work for your life. We vetted numerous lenders to find the best partners for our patients, all so that you can get great care from a team who will treat you well and financing from a lender who will treat you well too.
What types of dental financing are available?
You have a couple of options here. We can help you find the one that works best for your budget:
Loans with set monthly payments
Like traditional loans, these are loans for dental work that are based on money lent or given to another on the condition of repayment, typically based on a set number of months, or term of the loan. You are charged interest on the borrowed amount and can repay the loan at any time without any penalties.
Credit card, with a line of credit
Some of our lenders are credit card companies, that will offer a line of credit.
What if I have bad credit, or my credit score is not high?
At Aspen Dental, we don’t focus on the past. We only care about doing anything to make you smile now and in the future. Your credit should not be an impediment to getting great oral healthcare. That’s why we’re continually adding new levels of lenders to our application process and increasing dental loan options so that financing is available to you even if you have had difficulties in the past.
What insurance is accepted?
We accept most dental insurance carriers. To find out if your insurance is accepted, click on “Your office” at the top of this page and make sure your office is the one selected. Once confirmed, select “Office Details” and scroll down to the “Insurance and Financing” tab and you will see the list of accepted insurance for that office. Aspen Dental practices do not accept Medicaid.
Can I use my Medicare Advantage coverage?
Many Aspen Dental offices do work with Medicare Advantage to cover certain services. Check with your local office to see if the services you need are covered.
What is principal and interest?
The principal is the amount you borrow. The interest sort of like paying rent on the money you borrow - the faster you pay off the loan, the less you pay overall.
What is “open to buy”?
Open to buy are the available funds on a line of credit. For example: if your line of credit was initially $4,000, and you charged $2,500 in services, then the open to buy (or, the balance) is $1,500.
What are credit scores, or FICO® scores?
A credit score tells lenders about your ability to be approved for credit (in other words, how likely you are to pay back a loan based on your credit history). It is calculated using the information in your credit reports. FICO scores, the standard for credit scores, typically range from 300-850. The higher the score, the lower the risk to lenders. A "good" credit score is one that’s in the 670-739 score range.
Will a prequalification affect my credit score?
No. Prequalification is merely the first step in our application process. It will not hurt your credit score.
Who is my dental financing lender?
Aspen Dental is not the lender. Aspen Dental has researched numerous lenders in the market for our patients. Whichever lender Aspen Dental ultimately matches you with will be one that we vetted thoroughly. You’ll have full transparency on who your lender is at the time of application, as we will match you with the best one based on your situation.
What if I don’t want to use all of the money I was approved for?
At Aspen Dental you are never under any obligation to accept a lender’s offer, even if you are qualified and have already started treatment. Getting you to smile means we give you access to credit and making sure it’s something you’re comfortable with. You’ll be given different financing options at the time of application. You’ll be in complete control when choosing whether or not to accept the offer. In addition, you’ll likely be given multiple choices on the terms to repay the loan, based on your needs.
What does "deferred interest" mean?
Deferred interest is when the financing plan has a period of zero interest - if you pay off the balance before this timeframe ends. If you can’t pay it in full by then, interest payments will be owed, often retroactively.
How will a personal loan affect my credit score?
Personal loans are a form of installment credit, whereas credit cards are considered revolving credit. Having both types of credit in your profile will strengthen your credit mix. To increase or maintain a good credit score, focus first on the top two most important factors: on-time payments and credit utilization.
What does the term of the financing option mean?
A term is the length of time you have to pay the loan back to the lender. Terms for dental financing typically vary from 12 to 60 months. The longer the term length, the lower monthly payments get.