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Payment Options


Dentists generally accept cash, personal checks and major credit cards for services rendered. Most dental practices also now offer monthly payment plans through an outside health care financing partner. Although similar to a department-store credit card, these payment plans can only be used to pay for health care.

After you and your dentist agree to a treatment plan, you simply complete a short credit application, which is submitted to the financing partner, either by phone or online. Typically within minutes, a credit decision is made.

You begin treatment immediately with little or no money down, paying for your care in low monthly payments. Some plans also feature a revolving line of credit that you and your family can use for ongoing dental needs—a convenient financial resource for preventive, emergency and cosmetic care.

ADA Business ResourcesSM exclusively endorses the CareCredit program. For more information, an online application or to find a dentist who offers CareCredit, go to

ADA Business ResourcesSM is a service mark of the American Dental Association. ADA Business Resources is a program brought to you by ADA Business Enterprises, a wholly owned subsidiary of the American Dental Association.

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Please note: The ADA does not provide specific answers to individual questions about fees, dental problems, conditions, diagnoses, treatments or proposed treatments, or requests for research. Information about dental referrals, complaints and a variety of dental procedures may be found on

There is no professional/clinical information on this topic.

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