Dental financing options made simple
No cost to apply and 99% financing approval for patients when they apply through 3rd party financing partners.
Benefits of dental care financing
Choosing to finance your dental care comes with several key advantages.
Affordable monthly payments make it easier to move forward with care while staying within your budget.
Even without insurance, flexible 3rd-party financing and transparent pricing can help you plan with confidence.
Financing can help you get the care you need now, before minor issues become more involved.
Unexpected dental needs are stressful—flexible financing helps make costs manageable so you can focus on care.
How does dental financing work at Aspen Dental?
We keep your smile stress-free with 3rd-party lenders that make your care affordable with low payment options.
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.
Without impacting your credit, you can see your financing options within minutes.
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.
Trusted 3rd-Party Financing Partners¹
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.
Trusted 3rd-party financing partners¹
¹Not all 3rd-party financing options are available to all patients.
Buy now pay later
Buy now, pay later (BNPL) can work as a standalone option or alongside your financing offer. Rather than paying the full treatment cost upfront, BNPL enables patients to spread payments out over time. If financing doesn't quite cover everything, adding a BNPL option can offer extra flexibility to manage the remaining balance by spreading payments over time. The most common plan splits the cost into four interest-free installments over six weeks. We partner with Afterpay and Klarna, both of which offer a streamlined, app-based experience to check eligibility, view payment plan options, and complete your purchase in minutes.
The Aspen Dental Savings Plan²
The Aspen Dental Savings Plan gives patients a straightforward way to lower the cost of care. For $49/year, members get free exams and X-rays, plus 10–30% off other treatment costs — with simple enrollment quick enough to start saving the same day.
²The Aspen Dental Savings Plan is NOT insurance. Please see plan terms and conditions for details.
¹Not all 3rd-party financing options are available to all patients.
²Subject to credit approval. See http://carecredit.com for details.
Frequently asked questions about dental financing
To help manage out-of-pocket costs for dental implant treatment, Aspen Dental patients can apply for financing support through a 3rd-party vendor.
Many dental financing programs support patients with bad or limited credit, with 3rd-party lenders offering soft-credit-check prequalification and flexible approval criteria. Your Aspen Dental care team can help you get started.
Aspen Dental connects patients with 3rd-party vendors who offer financing options for urgent dental needs.
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.
For higher-cost treatments like dental implants, full-mouth restorations, and orthodontics, financing can help make care more affordable.
Financing is available whether or not you have dental insurance.
It depends on the provider and plan. Many patients qualify for $0-down options.