Dental financing options made simple
Your budget shouldn't stand between you and the care you need. From urgent dental issues to implants, dentures, and routine visits, Aspen Dental works with 3rd party financing companies to help make treatment costs more manageable.
Key takeaways
Flexible financing through 3rd-party lenders
Available for most treatments
99% of patients are approved
What is dental financing?
Dental financing lets you pay over time, making care more accessible for routine needs, advanced procedures or unexpected costs.
Benefits of dental care financing
Choosing to finance your dental care comes with several key advantages.
Affordable monthly payments
Affordable monthly payments make it easier to manage the cost of your care. You can move forward while keeping treatment within your budget.
Manage costs without insurance
You can manage the cost of your care even without insurance. Flexible 3rd financing options and transparent pricing help you plan with confidence.
Makes major procedures accessible
Financing makes major treatments like dentures more attainable. It breaks costs into manageable payments so you can start care sooner.
Helps you stay ahead of dental issues
Financing helps you stay ahead of dental issues by making prompt treatment more accessible. Addressing concerns early can help prevent them from progressing.
Flexible support for sudden dental costs
Sudden dental needs can be stressful, but flexible financing helps you manage costs with ease. Aspen Dental offers simple, clear options so you can focus on getting the right care.
Explore third-party dental financing vendors at Aspen Dental
Dental financing lets you pay for treatment over time. Aspen Dental partners with trusted 3rd-party vendors who offer financing options to make care costs more manageable.
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.
1Not all third-party financing options are available to all patients.
How does dental financing work at Aspen Dental?
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 your personalized treatment plan, you can quickly and securely apply the same day. Your Aspen Dental care team can walk you through it and answer any questions.
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.
What dental treatments can be financed?
Nearly all dental procedures can be financed at Aspen Dental, including:
Who qualifies for dental financing?
99% of patients qualify for at least one financing option. Approval varies, but many financing vendors offer choices for a broad range of credit backgrounds.
Factors that may impact qualification:
Credit history
Income or employment status
Existing credit lines
Treatment cost
An Aspen Dental care team member can guide you through available options and help you find the best fit for your budget.
Dental financing FAQs
What are the financing options for dental implants?
To help manage out-of-pocket costs for dental implant treatment, Aspen Dental patients can apply for financing support through a 3rd-party vendor.
Can I get dental financing with bad credit?
Many dental financing programs support patients with bad or limited credit, with third-party lenders offering soft-credit-check prequalification and flexible approval criteria. Your Aspen Dental care team can help you get started.
Are there financing options for emergency dental care?
Aspen Dental connects patients with 3rd-party vendors who offer financing options for urgent dental needs.
What is a dental loan?
A dental loan lets you pay for treatment in fixed monthly payments instead of upfront, and is offered through banks, credit unions or third-party lenders to help make dental care more affordable.
Are dental financing options available for major procedures like dental implants?
For higher-cost treatments like dental implants, full-mouth restorations, and orthodontics, financing can help make care more affordable.
Do I need insurance to qualify for financing?
Financing is available whether or not you have dental insurance.
Is financing available for cosmetic treatments?
Treatments like teeth whitening, veneers, or aligners can also be financed.
Does financing require a down payment?
It depends on the provider and plan. Many patients qualify for $0-down options.