Lets face it, 90%+ of our patients can not simply write a check for $20,000.00 or more on the spot. Therefore, most of our patients will finance part or all of their treatment, so that for a monthly payment patients can get the care that they want NOW versus years later by saving.

We use CareCredit, Lending Club, and Wells Fargo Health Advantage

Each of our financing Options has their own interest rates, terms, lengths, and amounts available. Interest rates can be 0% for up to 12 months, however, most of our patients do need longer terms for a more affordable monthly payment. Interest rates do vary for most of our patients and they finance for 3-4 years.

We typically see patients with credit scores around 620-650 as usually being approved with a monthly income. For patients who might not qualify, a co-signer can help. A friend, brother, sister, mother, father, son, daughter, or just about anyone who would be willing to be a co-applicant can help get you approved. You make the payments and they just sign.

The process for financing works best when done in our office. We can guide you through the process, get on the phone with the vendor, and also ask for increases in credit lines. Our recommendation is to come in for the consultation, find out about treatment, get all costs, and let our staff assist you in filling out the application.

Other options for Financing

Many patients will also take out a 401K loan against their 401K. This way there is no qualification, no credit check issues, and interest rates are typically lower. This is a great way to get financing and our office is very familiar with 401K loans.