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Dental Financing in Houston — Get Treatment Now, Pay Later
Can't wait on the dental care you need? Best Dental makes it easy to get treated now and pay over time. Through our financing partner, Cherry, you can get approved quickly using a soft credit check that won't affect your credit score.
Financing
The whole process is simple and hassle-free. All you need is your state ID and a mobile phone number — no paperwork, no stress. Once you apply and get approved through Cherry’s easy-to-use mobile app, you can access your payment plan right away.
Flexible Payment Options
Choose a payment plan that works for you — we offer 3, 6, 12, 18, or 24-month options, with some qualifying 0% APR plans available. Split your payments up and pay over time at your own pace. Plus, with autopay and 24/7 access to Cherry’s self-serve portal, managing your payments is a breeze.
Example: A $400 treatment plan through Cherry could be as low as $100/month over 3 months at 0% APR, with a down payment equal to one monthly payment due at the time of purchase.
Ready to get started? Contact Best Dental today and we’ll walk you through your financing options.
Payment options through Cherry Technologies, Inc. are issued by the following lending partners: https://withcherry.com/lending-partners
Options
CareCredit
CareCredit Dental Financing in Houston
When dental insurance just isn’t enough, CareCredit makes paying for the treatments you need simple and stress-free. At Best Dental, we proudly accept CareCredit to help our Houston patients get the care they deserve without breaking the bank.
How CareCredit Works
CareCredit lets you cover the full cost of your dental visit and pay it back in manageable monthly installments. The best part? There’s no expiration date on your CareCredit account, so you can use it again and again for future treatments — no need to reapply every time.
Have Dental Insurance Already? CareCredit Can Still Help
Even if you have dental insurance, it doesn’t always cover everything. Those leftover copayments can add up fast. CareCredit is a great way to handle whatever your insurance doesn’t cover, right here at Best Dental — no rushing to the bank, no hassle.
How to Apply
Applying for CareCredit is super easy. Just follow their simple online application, and once you’re approved, you can start using your account right away — even before your card arrives. That’s it. No paperwork, no stress.
Option #3: Lending Club
Lending Club has grown beyond its peer-to-peer lending roots and now offers specific patient solutions that many Houston dental offices partner with.
What’s cool about Lending Club is they often have better rates than credit cards for longer-term financing. If you’re looking at major dental work like full mouth reconstruction or multiple implants, this might be your best bet for spreading payments over 3-5 years without the interest killing you.
Their application process is straightforward, and they can finance anywhere from $1,500 to $50,000 – which covers pretty much any dental procedure you might need.
Don’t Forget About In-House Options
Here’s something many people miss: some Houston dentists offer their own payment plans directly. These vary widely from practice to practice, but they’re worth asking about.
I’ve seen some offices offer:
- Simple monthly payments with no interest
- Discount programs for patients who pay cash upfront
- Family packages that make treatment more affordable
These might not be advertised on their websites, so it’s worth a phone call to ask.
Which Option Is Right For You?
The best financing option really depends on your situation:
If you need work done ASAP and can pay it off within a year, CareCredit’s no-interest option is hard to beat.
For larger treatments where you need 3+ years to pay, Lending Club might save you money in the long run with better interest rates.
If your credit isn’t stellar or you want a quick, easy application process, Cherry Financing could be your best bet.
Dental Financing FAQ
Everything you need to know about paying for your dental care — no surprises, no stress.
Financing Options
We offer three third-party financing partners — Cherry, CareCredit, and Lending Club — so you can choose the plan that fits your budget and timeline best. We also accept payments through HSA (Health Savings Accounts) and FSA (Flexible Spending Accounts), which let you use pre-tax dollars toward your dental care. Our goal is to make sure cost never stops you from getting the treatment you need.
Yes — many patients combine options. For example, you could use your dental insurance to cover a portion of the treatment, pay the remaining copay with HSA or FSA funds, and finance any leftover balance through Cherry or CareCredit. Our front office team will help you map out the best combination for your specific situation.
Cherry Financing
Cherry keeps things simple. All you need is your state ID and a mobile phone number — no paperwork required. Once you apply through Cherry's mobile app and get approved, your payment plan is ready to use right away. Cherry uses a soft credit check, which means applying won't affect your credit score.
Cherry offers flexible terms of 3, 6, 12, 18, or 24 months, with some plans qualifying for 0% APR. A down payment equal to one monthly installment is typically due at the time of purchase. You can manage everything — payments, statements, and more — through Cherry's 24/7 self-serve portal, and autopay is available to keep things hands-off.
Example: A $400 treatment could be as low as $100/month over 3 months at 0% APR (with a $100 down payment at the start).
No — Cherry uses a soft credit check during the application, so it won't show up on your credit report or lower your score. This makes it a great option if you want to explore financing without any risk to your credit.
CareCredit
CareCredit is a revolving healthcare credit card that lets you cover the full cost of your dental treatment upfront and pay it back in manageable monthly installments. One of the best perks: your CareCredit account never expires, so once you're approved, you can use it again for future treatments without reapplying.
It's quick and easy. Head to carecredit.com and complete their simple online application. Once approved, you can start using your account immediately — even before your physical card arrives. We accept CareCredit right here at Best Dental.
Absolutely. Dental insurance rarely covers 100% of a treatment, and those remaining copays can add up quickly. CareCredit is a great way to handle whatever balance is left after your insurance pays its share — no bank visits, no hassle.
Lending Club
Lending Club offers patient-specific financing that's especially well-suited for larger dental treatments — think full-mouth reconstruction, multiple implants, or major orthodontic work. They can finance from $1,500 up to $50,000 and often offer competitive interest rates compared to traditional credit cards, with repayment terms stretching 3 to 5 years.
Insurance & HSA / FSA
Best Dental accepts all PPO dental insurance plans, including Delta Dental, Cigna, Aetna, Blue Cross Blue Shield, MetLife, Humana, UnitedHealthcare, Guardian, and many more. Please note that we do not accept HMO plans or Medicaid. If you're unsure whether your plan is accepted, give us a call or use our insurance checker on our website.
Yes — we happily accept both HSA (Health Savings Account) and FSA (Flexible Spending Account) payments. These accounts let you set aside pre-tax dollars specifically for qualified medical and dental expenses, which can meaningfully lower your out-of-pocket costs. Using HSA/FSA funds alongside a financing plan is one of the smartest ways to manage a larger treatment.
Absolutely. Our team contacts your insurance provider ahead of time to confirm your exact coverage, including copays, deductibles, and annual maximums. We'll give you a clear breakdown of what your plan covers and what your out-of-pocket responsibility will be — so there are no surprises on the day of your visit. You can also verify your benefits online before you come in.
Cosmetic Dentistry Financing
Most dental insurance plans do not cover cosmetic procedures like teeth whitening, veneers, or smile makeovers, because they're considered elective rather than medically necessary. However, if a cosmetic treatment also serves a restorative purpose — such as a crown that replaces damaged tooth structure — insurance may cover part of it. The good news: all three of our financing partners (Cherry, CareCredit, and Lending Club) cover cosmetic treatments, making it easy to get the smile you've always wanted.
Porcelain veneers typically range from $800 to $2,500 per tooth in Houston, depending on the material and complexity. Yes, you can absolutely finance them through Cherry, CareCredit, or Lending Club. Many patients opt for 0% APR plans through Cherry or CareCredit to spread payments over 12–18 months, making a complete smile transformation more affordable.
Example: A set of 8 veneers at $1,200 each ($9,600 total) could be financed at roughly $533/month over 18 months with 0% APR through CareCredit.
All of our cosmetic services are eligible for financing, including:
• Professional teeth whitening
• Porcelain veneers
• Dental bonding
• Smile makeovers
• Gum contouring
• Full-mouth reconstruction
Our team will create a custom treatment plan and show you exactly how much each option costs, with financing options laid out clearly so you can make an informed decision. • Porcelain veneers
• Dental bonding
• Smile makeovers
• Gum contouring
• Full-mouth reconstruction
Crowns & Bridges
Dental crowns typically cost between $800 and $1,500 per crown, depending on the material (porcelain, zirconia, or metal). If you have dental insurance, it often covers 50% of the cost after your deductible is met. For the remaining balance, you can use Cherry, CareCredit, or even split the cost between insurance and HSA/FSA funds.
Example: A $1,200 crown with 50% insurance coverage leaves a $600 balance. Financed through Cherry at 0% APR over 6 months = $100/month.
Absolutely. Dental bridges generally range from $2,000 to $5,000 depending on the number of teeth being replaced and the materials used. All of our financing partners accept bridge procedures. Because bridges can be a larger investment, many patients use Lending Club for longer repayment terms (3–5 years) or CareCredit for promotional 0% interest if they can pay within 12–24 months.
Most PPO dental insurance plans cover 50% of major restorative work like crowns and bridges, up to your annual maximum (typically $1,000–$2,000). We'll verify your benefits before your procedure and give you an exact breakdown of what insurance will pay and what you'll owe. Any remaining balance can be financed or paid with HSA/FSA funds.
Tooth Extractions
The cost depends on the type of extraction:
Simple extraction: $150 – $300
Surgical extraction: $225 – $600
Wisdom tooth removal: $200 – $600 per tooth
Insurance typically covers 70–80% of medically necessary extractions. For the remaining balance or if you don't have insurance, Cherry and CareCredit both offer flexible payment plans starting as low as 3 months. Surgical extraction: $225 – $600
Wisdom tooth removal: $200 – $600 per tooth
Yes — wisdom teeth removal is fully eligible for financing through all three of our partners. If you're having all four wisdom teeth removed at once (typically $800–$2,400 total), financing can make the procedure much more manageable. Many patients choose 6- or 12-month payment plans at 0% APR through Cherry or CareCredit.
If you need several teeth extracted — whether in preparation for dentures or implants — the cost can add up. The good news is that you can finance the entire procedure as a single treatment. Our team will create a comprehensive treatment plan, verify what your insurance covers, and help you set up a payment plan that works for your budget. Lending Club is often a great option for larger multi-tooth extractions since they offer longer repayment terms.
Root Canal Treatment
Root canal costs vary by tooth type:
Front tooth: $700 – $1,000
Premolar: $800 – $1,200
Molar: $1,000 – $1,500
Keep in mind that most root canals also require a crown afterward to protect the tooth, which adds another $800–$1,500. Many insurance plans cover 50–80% of root canal therapy. For any out-of-pocket costs, financing through Cherry, CareCredit, or Lending Club makes treatment accessible without delay. Premolar: $800 – $1,200
Molar: $1,000 – $1,500
Absolutely. In fact, we recommend bundling them into a single financing plan so you only have one monthly payment to manage. For example, if your root canal is $1,200 and your crown is $1,200 (totaling $2,400 after insurance), you could finance the full amount at 0% APR over 12 months for just $200/month through CareCredit. Our team will help you structure the best plan for your situation.
Don't let cost delay treatment — untreated infections can worsen quickly. Cherry offers instant approval through their mobile app with just a soft credit check, so you can get approved and schedule your root canal the same day. CareCredit also offers immediate use upon approval, even before your card arrives. We're here to make sure you get the care you need when you need it.
Dental Implants
A single dental implant (including the post, abutment, and crown) typically costs between $3,000 and $5,000 in Houston. Full-mouth implants can range from $20,000 to $50,000+ depending on the number of implants and whether bone grafting is needed. While dental insurance often doesn't cover implants fully, many plans will cover part of the crown. Financing through Lending Club or CareCredit makes implants accessible with manageable monthly payments over 3–5 years.
Example: A single implant at $4,000 financed over 36 months at 7% APR ≈ $124/month.
Yes — and this is where Lending Club truly shines. They specialize in larger treatment plans and can finance anywhere from $1,500 up to $50,000. With repayment terms of 3–5 years, you can spread out the cost of full-mouth reconstruction or implant-supported dentures into affordable monthly payments. Our team will walk you through your options and help you compare rates and terms so you can move forward with confidence.
Some PPO plans provide partial coverage for the crown portion of an implant, but most do not cover the implant post itself. Coverage varies widely by plan, so we always verify your benefits ahead of time and let you know exactly what to expect. Even if insurance doesn't cover implants, financing options make them affordable — and the investment is worth it for a permanent, natural-looking solution.
Invisalign & Orthodontics
Invisalign treatment typically ranges from $3,500 to $8,000, depending on the complexity of your case and treatment length. Some dental insurance plans offer orthodontic benefits (usually up to $1,500–$2,000 lifetime maximum), which can be applied to Invisalign. For the remaining balance, Cherry, CareCredit, and Lending Club all cover orthodontics. Many patients spread payments over 18–24 months to make treatment affordable.
Example: $5,000 Invisalign treatment financed at 0% APR over 18 months = $278/month.
Yes — orthodontic treatment, including Invisalign, is HSA and FSA eligible. This means you can use pre-tax dollars to cover all or part of the cost, which effectively gives you a discount equal to your tax rate (typically 20–30%). Many patients use HSA/FSA funds for their down payment and then finance the rest through Cherry or CareCredit. It's a smart way to maximize your benefits.
Many parents finance Invisalign Teen through CareCredit or Cherry to keep monthly costs manageable. Since Invisalign treatment typically takes 12–18 months, you can align your payment plan with the treatment timeline. If you have orthodontic insurance benefits available, we'll apply those first, then finance the rest. Our goal is to make sure your child gets the smile they deserve without financial stress.
Costs & Pricing
Costs vary based on the type of treatment and whether you have insurance. Here's a general range for Houston:
Routine check-ups & cleanings: $100 – $300 (without insurance)
Fillings, extractions, root canals: $200 – $1,000+
Dental implants or orthodontics: $1,000 – $5,000+
The best way to get an exact number is to come in for a consultation — we'll walk you through the costs and your options before any treatment begins. Fillings, extractions, root canals: $200 – $1,000+
Dental implants or orthodontics: $1,000 – $5,000+
No — we believe in transparent, all-inclusive pricing. Before any procedure, we provide a comprehensive quote that covers everything: X-rays, anesthesia, follow-up adjustments, and any other associated costs. We'll also clearly lay out what your insurance will cover so you know exactly what to expect out of pocket.
Getting Started
It depends on your needs:
Quick treatment, pay off within a year? CareCredit's promotional no-interest options are hard to beat.
Major treatment, need 3+ years to pay? Lending Club often offers lower interest rates over longer terms.
Want a fast, easy application? Cherry's soft-check process and mobile app make it one of the simplest options out there.
Not sure? Call us at (281) 762-0637 and we'll help you figure out the best fit. Major treatment, need 3+ years to pay? Lending Club often offers lower interest rates over longer terms.
Want a fast, easy application? Cherry's soft-check process and mobile app make it one of the simplest options out there.
Yes! We're currently welcoming new patients from all over the Houston area — Memorial, Bellaire, West University, Midtown, and beyond. We've streamlined the onboarding process so you can get scheduled quickly and start receiving personalized care right away. And yes, your first consultation is completely free.
Easy — just reach out to us and we'll take it from there. You can book a consultation online, call us at (281) 762-0637, or email us at admin@bestdentistinhouston.com. Once we know what treatment you're considering, our team will walk you through every financing option and help you pick the one that works best for your budget.
Ready to get started?
Book a consultation today — no pressure, no surprises. We're here to help you smile.
For More Information About Dental Financing in Houston, TX Contact Our Team Today!
We look forward to hearing from you.
