Dental Implant Financing in Jacksonville, FL
Dental implant financing makes treatment possible by providing manageable monthly payments. We work directly with four trusted lenders, ProceedFinance, Happen Bank (formerly LendingClub), Cherry and CareCredit so you can compare real terms and find a monthly payment that fits your budget. Checking your rate takes minutes and never affects your credit score.
Single arch dental implants
Proceed Finance
84 months
Monthly payment as low as
Dental Implant Financing Companies We Work With
Happen Bank
(formerly LendingClub)
Term length
Up to 144 months
Interest rate
As low as 3.99% APR
Approval speed
~30 seconds
Longer terms and higher borrowing limits make this a strong option for larger treatment plans.
ProceedFinance
Term length
Interest rate
As low as 3.99% APR
Approval speed
~30 seconds
Longer terms mean lower monthly payments, ideal for financing a full treatment plan.
Cherry
Term length
Short term
Interest rate
As low as 0% for 12 mo
Approval speed
~30 seconds
A strong option if you’re financing a smaller treatment amount rather than the full cost.
CareCredit
Term length
Interest rate
As low as 0% for 12 mo
Approval speed
~30 seconds
Widely accepted and well suited to smaller treatment costs and future dental visits.
How to Apply for Dental Implant Financing
- Prequalification doesn't impact your credit score
- Multiple lenders means more chances at approval
- A treatment coordinator walks you through every step
- Prequalification doesn't impact your credit score
Apply online or at your visit
- Multiple lenders means more chances at approval
Get your answer fast
- A treatment coordinator walks you through every step
Move forward, confidently
Payment calculator
See estimated monthly payments for your treatment plan
Plan amounts range from $500 to $75,000
3.99% to 26.99% APR
| Term (months) | Monthly payment | APR |
|---|
The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.
Financing For Dental Implants
With so many financing options for dental implants, getting the treatment you need is easy. We'll answer your questions about how to get financing for dental implants. We make it simple with financing options that work for your life.
Click on the links below to see if you can pre-qualify for financing
*Individual loan pricing is contingent upon the applicant’s personal credit score. The advertised daily rate of $8 and monthly rate of $257 are based on single arch treatment and serve as starting points. Rates may change based on creditworthiness and other relevant factors.
Other Ways to Pay for Dental Implants
Not every patient finances through one of the lenders above. Here’s how a few other options compare.
| Option | How It Works | Good to Know |
|---|---|---|
|
Personal Loan |
A fixed-rate loan through your own bank or credit union |
We’ll happily supply you with an itemized treatment plan to take to your bank |
|
HELOC |
Borrow against your home’s equity through your mortgage lender |
Often lower rates than medical financing, but your home is collateral |
|
401(k) Loan |
Access funds from your retirement account and repay the loan over time with interest |
Usually lower rates, but confirm terms with your plan administrator first |
Dental Implant Financing FAQs
How much are monthly payments for dental implant financing?
Monthly payments typically start around $239 and vary based on your treatment cost, the lender you choose, and your loan term. Use the calculator above for a personalized estimate.
Will applying for dental implant financing affect my credit score?
Prequalification with most of our lenders is a soft credit pull with no impact to your score. A hard pull only happens if you proceed with the loan.
Are there prepayment penalties on dental implant financing?
No. If you pay off your loan early with any of our lenders, there’s no fee for it. Paying ahead can also reduce the total interest you pay.
Can I use dental insurance and financing together?
Yes. Whatever your insurance covers reduces the amount you finance. We verify your PPO benefits for free before your consultation, and the remaining balance is financed through your chosen lender.
Can I use my HSA or FSA for dental implants?
Yes. Dental implants are an eligible medical expense under HSA and FSA accounts. You can use your card directly at our office, and combine it with insurance or financing.
Can someone else finance my dental implants?
Yes. A friend or family member can apply as the borrower while you remain the patient. You can be added to the account as an authorized user, which keeps billing and communication clear.
What if I'm declined by one lender?
We work with four lenders specifically so we have options across a range of credit profiles. If one declines you, we try the next.
Can I get dental implant financing with bad credit or no credit history?
Working with four lenders means options for a wider range of credit profiles, including limited or no credit history. Your interest rate may be higher, but a path usually exists.
How can I finance implants without insurance?
Financing doesn’t require dental insurance. Many patients without coverage use CareCredit, Cherry, Happen Bank, or ProceedFinance to cover the full cost, and HSA or FSA funds can offset it further.