Your guide to dental financing
With affordable, flexible payment solutions for any budget, explore how 3rd-party dental financing can make it easier to get the quality care you deserve.
How does dental financing work
Dental financing helps you break up the cost of care into affordable monthly payments—so you can start treatment without paying everything up front. Aspen Dental partners with trusted 3rd party providers to offer dental financing options that fit your budget. You can apply right in the office, get pre-qualified in minutes and begin care the same day.
CareCredit
Get the care you need right away and pay over time with flexible payment options through CareCredit, backed by over 30 years of experience in third-party dental financing1.
AFF
Get the dental care you need with flexible, no-credit-needed financing options from American First Finance (AFF), a trusted third-party financing1 provider. Available at select locations.
HFD
With unmatched approval rates and budget-friendly options, HFD gives patients a better way to pay for dental care with third-party financing1 solutions. Available at select locations.
Proceed Finance
Bridge the gap between care and affordability with Proceed Finance, a third-party financing1 expert specializing in easy-to-understand terms, low rates, and fast delivery.
Fortiva Retail Credit
A credit alternative for patients who may not qualify for traditional lending. Fortiva, a third-party financing partner1, provides second-look financing. Available at select locations.
Afterpay
Spread out the cost of your dental care with AfterPay’s buy now, pay later service—allowing you to pay in four interest-free installments through our installment payment partner.
1Not all third-party financing options are available to all patients.
Is dental financing right for you?
Low payment options
With our trusted third-party financing lenders, affording treatment is simple, secure & designed with you in mind.
Great approval rates
Concerned about your credit history? 99% of patients are approved for financing when they apply through 3rd-party lenders.
Same-day financing
As soon as you accept your financing offer, we’ll set you up with next steps so you can start your treatment right away.
How to apply for dental financing
We keep your smile stress-free with third-party lenders that make your care affordable with low payment options.
Apply at your visit
Once you have a treatment plan, you can quickly and securely apply the same day with your office care team. Ask to apply and we’ll walk you through it.
Explore your offer
Without impacting your credit, you can see your financing options within minutes.
Pay over time
Once your financing is approved, you can start your care the same day. From there, you’ll be able to manage your financing with payment options to fit your budget.
Dental financing FAQs
What is dental financing?
Dental financing helps you pay for care over time with manageable monthly payments—so you can start treatment without worrying about the full cost upfront.
What types of dental financing are available?
Aspen Dental partners with trusted third-party lenders like CareCredit and dental payment partners like Afterpay to offer payment options that fit your budget. Some plans may include promotional offers like 0% interest when paid in full within a set period. Speak with your care team for more details.
What if my credit score is low?
Even with a low credit score, you may qualify for dental financing. In fact, 99% of patients are approved for financing when they apply through 3rd party lenders. Your care team can help you explore options that work for you.
Can I use my Medicare Advantage coverage?
Some Medicare Advantage plans include dental benefits, but coverage can vary. Your care team can help check your plan and explain what’s covered.
Does Aspen Dental take Medicaid?
Aspen Dental does not accept Medicaid. However, your care team can walk you through other payment and financing options to help you get the care you need.
How can I pay for dental work if I don’t have money upfront?
You don’t have to wait to get the care you need. Aspen Dental offers financing through third-party lenders, including options with low monthly payments. You can also explore the Aspen Dental Savings Plan2 for instant discounts on care.
²The Aspen Dental Savings Plan is NOT insurance. Please see plan terms and conditions for details.