Dental implant financing.
Three lenders, run side by side. Most approved instantly.

Three established healthcare financing partners: CareCredit, Sunbit, and Cherry. Each works differently, CareCredit offers promotional interest-free periods on qualifying balances, Sunbit specializes in faster approvals with no hard credit pull for the application, and Cherry offers more flexible payment plans for higher amounts. We run all three at the free consultation to find your best offer.

We don't quote a monthly amount before you apply, because we're not the lender: CareCredit, Sunbit, and Cherry each set your rate and term based on your credit, and the balance being financed depends on what your insurance covers. What we can tell you in advance is the total, our prices are published and fixed, so the amount you finance doesn't move between the consultation and the end of treatment. The payment itself is resolved at the free consultation, where you get the actual figure from the lender rather than an estimate from us.

No, but your credit profile affects the offer you receive. CareCredit typically prefers fair-to-good credit for its best promotional terms. Sunbit and Cherry specialize in approving patients with credit profiles where CareCredit might not work, they have more flexible approval criteria. Most patients who apply at consultation are approved by at least one of the three. The rate and term attached to any approval come from the lender, not from us.

Yes. CareCredit offers promotional interest-free financing on qualifying dental balances. If you pay off the balance within the promotional period, you pay no interest at all. If a balance is still outstanding when the period ends, the lender's standard rate applies to what remains. The length of the promotional period and the rate that follows it are set by CareCredit based on your application, so we go through your actual offer with you at the consultation. For patients who can clear the balance inside the window, this is usually the cheapest option available.

Yes. Dental implants are eligible expenses under both Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). Many of our patients combine HSA/FSA dollars with financing, using pre-tax funds for the deposit and financing the rest. We can provide the procedure documentation needed for HSA/FSA reimbursement.

Insurance reimbursement reduces the amount you need to finance. Most PPO dental plans cover 50% of dental implants up to an annual maximum (typically $1,500-$2,500). Some plans exclude implants entirely. We run your benefits at the free consultation and tell you exact out-of-pocket cost. Financing then applies only to the portion not covered by insurance.

Yes, this is what most patients do. Common combination: insurance reimbursement + HSA/FSA pre-tax dollars + financing for the remaining balance. Reduces total out-of-pocket cost and keeps the financed amount as small as possible. We help structure the optimal mix at consultation.

Contact your financing provider directly, CareCredit, Sunbit, and Cherry all have hardship programs and modified payment options. They prefer working out modifications over default. Late payments and missed payments will affect your credit. If you anticipate trouble, communicate with the lender early, they have many more options than people realize.

Apex's procedure pricing is all-inclusive, no hidden fees, no consultation fees, no deposit fees. The financing partners may charge their own origination or late fees per their terms (which we explain at signing). The 3D CT scan, consultation, and treatment plan are free. The procedure cost ($1,999 single tooth, $12,500 All-on-4 per arch) is exactly what's financed.