Don't let cost stop you from fixing your teeth.
We work with three lenders and run all three at your free consultation. Most patients get a decision in under 60 seconds, and most plans require no down payment.
Check your financing options →Three options. Most patients qualify for at least one.
Healthcare credit line · Promotional interest-free periods available on qualifying balances · Industry standard for dental financing
Soft credit pull · Pre-qualify in seconds · No impact to credit score
Flexible term lengths · Approval decisions typically in under a minute · Built for thin credit files
Start from the total, not the monthly.
Our prices are published and fixed, so the amount you finance at the consultation is the amount you finance at the end of treatment. Your payment is calculated from that total after insurance, and the lender sets it.
Financing is provided by third-party lenders, not by Apex Implant Centers. Approval, interest rate, and term length are set by the lender and depend on your credit, which is why we don't publish monthly payment amounts in advance. We run all three lenders alongside your insurance benefits at the free consultation, so you leave with a real number rather than an estimate.
What patients ask us most
How does financing work?+
At your free consultation, we run your application through CareCredit, Sunbit, and Cherry simultaneously to find the best offer. Most patients are approved in under 60 seconds. You then choose the plan and term that fit your budget.
What will my monthly payment be?+
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. All of that is resolved at the free consultation, where you get the actual figure from the lender rather than an estimate from us.
Do I need good credit?+
Sunbit uses a soft credit pull and approves most applicants, including those with limited or imperfect credit. CareCredit prefers good credit but offers promotional interest-free periods on qualifying balances. Cherry is the most flexible for patients without much credit history.
Will applying hurt my credit score?+
Sunbit uses a soft pull (no impact). CareCredit and Cherry use hard pulls only at the point you accept terms, applying does not commit you.
Can I combine financing with insurance?+
Yes, most patients do. We bill insurance first, then finance the remaining out-of-pocket through CareCredit/Sunbit/Cherry. We run your benefits at the consultation.
Is there a down payment?+
Usually not. CareCredit promotional plans typically have $0 down. Sunbit and Cherry both offer $0-down plans for qualifying patients.
The financing conversation is where transparent pricing actually pays off.
Why three lenders, not one
Dental implant financing is not a single market. CareCredit functions essentially as a healthcare-specific credit card with promotional interest-free periods that work well for patients with established credit who can pay the balance within the deferred-interest window. Sunbit uses a soft credit pull and approves a much broader range of applicants, including patients with thin credit files, recent life-event credit dings, or self-employment income that traditional underwriting penalizes. Cherry is structured as a buy-now-pay-later product and is the most flexible for patients without significant credit history. Running all three simultaneously at the consultation almost always produces at least one approval, and frequently produces multiple competing offers that let the patient choose terms rather than accept the only one available.
Combining financing with insurance and HSA/FSA accounts
Most PPO dental plans cover a portion of implant treatment, typically the extraction, the imaging, and a percentage of the implant placement itself, with annual maximums that cap reimbursement around $1,500 to $2,500. Insurance is filed first, the remaining balance is financed, and the payment is calibrated to the net out-of-pocket rather than the gross procedure fee. Health Savings Account and Flexible Spending Account dollars can be applied to the down payment or the entire procedure for patients who have contributed funds, and the tax treatment effectively discounts the procedure by the patient's marginal tax rate. The financing review at consultation works through all three layers, insurance benefits, available HSA/FSA balance, and lender offers, before any payment figure is quoted.
Why our fixed pricing makes financing simpler than at most clinics
Financing at a clinic with variable, procedure-code-based billing is a moving target: the patient cannot commit to a payment until the final invoice is known, and the final invoice typically lands well above the consultation quote. Apex's fixed-fee model, $1,999 for a single-tooth implant, $12,500 per arch for All-on-4, means the financed amount at consultation is the same as the financed amount at the end of treatment. No mid-treatment re-quoting, no surprise charges that have to be folded into a second loan, no add-on fees that arrive after the financing decision has been made. The transparency on the front end is what makes the payment conversation actually useful rather than aspirational.
Get your real numbers at a free consultation.
30 minutes. CBCT scan ($350 value, free). Honest treatment plan with exact pricing. Zero pressure to commit.
- ✓Same-week appointments available
- ✓No referral needed
- ✓Bring prior X-rays or CT scans if you have them
Or call directly: 📞 (916) 886-1806
Book my consultation + financing review
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