Guaranteed Dental Financing
That Actually Works

Finding quality dental care in Houston is only half the battle — paying for it shouldn't be the other half. Best Dental offers guaranteed dental financing so that every patient, regardless of credit history or income, can access the treatment they need today.

What Is Guaranteed Dental Financing?

Guaranteed dental financing is a payment arrangement that allows you to spread the cost of dental procedures over several months or years — without the stress of a traditional bank loan. At Best Dental, we partner with Cherry, CareCredit, and Lending Club to give you multiple pathways to approval, each tailored to make oral care genuinely affordable.

Cherry Financing, for example, uses only a soft credit check that won't affect your credit score, and can get you approved in minutes. Combined with CareCredit's reusable account and Lending Club's competitive long-term rates, Best Dental patients have more flexible options than almost any other Houston practice. We also accept HSA and FSA payments, so you can put your pre-tax healthcare dollars to work.

Why Guaranteed Dental Financing Matters

Many people put off critical dental care because of cost concerns. According to the American Dental Association, financial barriers are one of the leading reasons adults delay or skip dental visits entirely. This can turn minor issues into serious, expensive emergencies down the road.

The True Cost of Delaying Dental Care

A small cavity left untreated can develop into a root canal. A single missed cleaning can lead to gum disease requiring surgery. Guaranteed financing gives you the ability to act on your dentist's recommendations right away — saving your smile and your wallet in the long run.

Peace of Mind for Every Patient

Knowing that financing is guaranteed removes the anxiety of uncertainty. You walk into Best Dental focused on your health, not on whether you'll be approved. That's how dental care should feel.

How Guaranteed Financing Works at Best Dental

Our process is straightforward, fast, and designed to get you started with minimal paperwork. All you need is your state ID and a mobile phone number. Here's how it works from start to finish:

Our Financing Partners & Plans

Best Dental works with three trusted financing partners so you always have an option that works. Here's what each one brings to the table:

What Procedures Are Covered?

Financing through Cherry, CareCredit, and Lending Club can be applied to virtually every service we offer at Best Dental. Here are some of the most commonly financed treatments:

Restorative Treatments

Dental fillings, crowns, bridges, and dental implants are among the most frequently financed procedures. These treatments restore both function and appearance, and our plans make them accessible without a large upfront payment.

Cosmetic Dentistry

Teeth whitening, veneers, and composite bonding can dramatically improve your smile. Best Dental's cosmetic services are fully eligible for financing — so there's no need to put your dream smile on hold.

Orthodontic Services

Whether you're looking into traditional braces or clear aligners like Invisalign, orthodontic treatment is one of the most common uses of dental financing. Our plans spread the cost over a comfortable timeline so you can focus on getting the smile you want.

Deep Cleaning & Preventive Care

A deep cleaning is one of the most important investments you can make in your oral health — and financing makes sure cost doesn't get in the way. We also offer same-day emergency appointments, so urgent treatments never have to wait.

Key Benefits of Choosing Best Dental Financing

Flexible Payment Schedules

Cherry offers 3, 6, 12, 18, and 24-month payment terms. CareCredit lets you pay on your own schedule with no expiration on your account. Lending Club stretches up to five years for larger treatments. You pick what works for your life.

Transparent Pricing — No Hidden Fees

At Best Dental, we believe in full transparency. Before you sign anything, we walk you through every cost, every payment, and every term across all three financing partners. No surprises, ever.

Use It for the Whole Family

CareCredit accounts are reusable and can cover treatments for multiple family members over time. Cherry and Lending Club plans can also be set up for any patient in your household. Managing everyone's dental health has never been simpler.

How Do the Financing Partners Compare?

Not all dental financing works the same way. Here's an honest breakdown of how each of Best Dental's three partners stacks up, so you can pick with confidence:

Cherry Financing — Best for Speed & Simplicity

If you need approval fast and don't want a hard credit check, Cherry is the way to go. The mobile app takes just minutes, and once you're in, you get autopay and a 24/7 self-serve portal to manage everything. A great example: a $400 treatment could be as low as $100/month over 3 months at 0% APR.

CareCredit — Best for Repeat & Ongoing Care

CareCredit shines when you want a reusable account you never have to reapply for. It's perfect for patients who plan on coming back for future treatments — cleanings, cosmetic upgrades, or anything in between. Best Dental proudly accepts CareCredit for any service.

Lending Club — Best for Major Treatments

Dealing with implants, orthodontics, or a full-mouth restoration? Lending Club finances from $1,500 up to $50,000 over 3–5 years, often at rates that beat credit cards. It's the strongest option when you're looking at a bigger investment in your smile.

Tips for Making the Most of Your Dental Financing

Once you're approved — whether through Cherry, CareCredit, or Lending Club — a few smart habits can help you stay on track and get the most value out of your plan:

First, take advantage of your free consultation to build a comprehensive treatment plan. Addressing multiple issues together can lower your overall per-procedure costs. Second, set up autopay through Cherry's portal or CareCredit so you never miss a due date. Third, if you have dental insurance, let our team verify your benefits first — we can coordinate coverage to cut down your out-of-pocket balance before financing kicks in. Finally, keep copies of all payment confirmations for your personal records.