Plan Description

CareCredit offers a variety of flexible financing options specifically designed for health and wellness expenses, including dental care. Here are the specific terms for CareCredit’s dental payment plans:

Financing Amounts

CareCredit can be used to finance dental procedures with amounts as low as $200, making it suitable for both minor treatments and major dental work.

Payment Plan Lengths

CareCredit offers no-interest promotional financing on purchases of $200 or more if the balance is paid in full within the specified promotional period. No interest is charged if you make the minimum monthly payments and pay the full amount by the end of the promotional period.

For larger dental expenses, CareCredit offers extended payment plans with reduced APRs and fixed monthly payments until the balance is fully paid off. This option is ideal for more extensive procedures that require longer repayment terms.

Interest Rates

On short-term plans (6, 12, 18, or 24 months), no interest is charged if the full amount is paid within the promotional period.

For longer-term plans (24, 36, 48, or 60 months), CareCredit offers reduced APRs with fixed monthly payments, typically ranging from 14.90% to 17.90%, depending on your creditworthiness and the term length chosen.

Application Process

Applying for CareCredit is straightforward and can be done online, over the phone, or in your dental provider’s office. Most applications receive an instant decision unless further information is needed.

A hard credit check is required when you apply for CareCredit, which may impact your credit score.

No Hidden Fees

CareCredit is committed to providing clear terms with no hidden fees. However, it's important to note that if the balance is not paid in full by the end of the promotional period, interest will be charged from the original purchase date at the standard APR, which can be up to 26.99%.

Fixed Monthly Payments

For long-term financing options, payments are fixed, making it easy to budget for your dental care.