Patient Financing for Dental Procedures
Here at Elgin Smiles Dental Care, we take pride in delivering the finest dental care while keeping the costs to our patients as reasonable as possible, as such, our policy is that payment is due at the time service is rendered unless other arrangements have previously been made.
CareCredit℠ Patient Financing
For you, your family and even your pet!
With CareCredit℠, there are never any application fees, annual fees, or prepayment penalty fees and, approval decisions are instantaneous. You can also use CareCredit℠ for all your future needs without reapplying. Credit lines in excess of $25,000 are available (based on credit approval). CareCredit℠ offers flexible and practical monthly payment plan.
- Their Interest Free Payment Plans only require a monthly minimum payment totaling 3% of the balance. Pay the full balance within the specified timeframe and the deferred interest will be waived.
- For those who would prefer small monthly installments and more time to pay, CareCredit℠ also offers an extended payment plan option. With CareCredit℠’s extended payment plans, treatment can be financed for up to 5 years with low interest rates and low monthly installments.
Sadly, even those with dental insurance can be left hanging. The fact of the matter is, many dental services aren’t covered by insurance. But there’s good news: CareCredit℠ can help you get the healthy smile you’ve always wanted with special financing options, whether you have insurance or not.
So, when Dr. Robertson recommends a procedure your wallet’s not quite ready for, or you want cosmetic dentistry to show off your pearly whites, you can get your dental care promptly with the healthcare credit card designed for your health, beauty and wellness needs. You can also use CareCredit℠ for follow-up appointments or teeth whitening products. That kind of freedom will put a smile on your face.
Bypass the waiting and worrying — Apply for CareCredit℠ today.
What treatments can I use CareCredit℠ for?
You can use CareCredit℠ to pay for any dental treatment including necessary procedures like root canals or cosmetic procedures like whitening, veneers, dental implants and more!
Can I use CareCredit℠ to pay for cosmetic dental procedures?
Yes, you can use CareCredit℠ anywhere it is accepted for all different types of elective and cosmetic dentistry.
I’ve maxed out my insurance benefits, can I use CareCredit℠ to pay for necessary procedures?
Yes, you can use CareCredit℠ to pay for all out-of-pocket costs from elective procedures such as teeth whitening to acute needs such as a root canal. CareCredit℠ can also be used for deductibles and co-payments.
Lending Club Patient Solutions
- Plans with low fixed rates & low monthly payments that never change over the life of the loan
- Patient-friendly, True No-Interest Plans with no retroactive interest
- No upfront payments
- No prepayment penalty
It’s easy to calculate your potential monthly payments. Simply complete a short application which displays fixed rates and monthly payments available for Extended Plans, all without impacting your credit score.
For more information, simply ask a team member or visit lendingclub.com/patients.
Why do you offer a fixed rate on your extended plans?
Interest rates have reached historic lows over the past few years. Many financial experts believe that rates can only go up. Fixed rates on extended payment plans mean predictable monthly payments that won’t rise unexpectedly due to interest rate fluctuations.
How is my interest rate determined?
The interest rate on extended payment plans is determined by the length of the term, number of months and your credit information. Promotional plans are no-interest if paid in full within 6, 12, 18 or 24 months. Retroactive interest will be assessed if a patient misses three consecutive monthly payments or if the balance is not paid in full during the promotional period. All payment plans may not be available in all offices. Please consult your provider for availability.
Can I finance the procedure through a bank?
There are personal loans available from most banks and credit unions. However, Springstone℠’s extended plans offer fixed rates that are generally much lower and with more flexible terms. Springstone℠ also offers promotional plans which are no-interest if paid in full within 6, 12, 18 or 24 months. Promotional plans may not be available through your local bank or credit union. All payment plans may not be available in all offices. Please consult your provider for availability.
Why would I want to choose your payment plan over a credit card?
Credit card interest rates are often variable. Rates are generally higher, meaning that you will likely pay more in interest. With a payment plan from Springstone℠ you keep your credit card purchasing power available for other purchases. In addition, extended payment plans offer the security of a fixed rate with a fixed payment. Our promotional plans are no-interest if paid in full within 6, 12, 18 or 24 months. All payment plans may not be available in all offices. Please consult your provider for availability.
How much will my monthly payments be?
For extended plans, you can get an estimate of your monthly payments by using the our payment calculator. For promotional plans, which are no-interest if paid in full within 6, 12, 18 or 24 months, the minimum payment due will be the greater of: (a) $25.00; or (b) 4% (rounded up to the nearest dollar) of the New Balance shown on your Statement. However, in order to pay the balance off within the promotional period and avoid retroactive interest charges, we recommend dividing the amount of your loan by the term you have selected and paying this amount each month. All payment plans may not be available in all offices. Please consult your provider for availability.
Is there a down payment?
There is no down payment. You simply make your monthly payments.
How much can I finance?
For extended payment plans, you can finance qualified expenses that range from $2,000 to $40,000. For promotional plans, which are no-interest if paid in full within 6, 12, 18 or 24 months, you can finance qualified expenses that range from $499 to $25,000. Subject to credit approval. All payment plans may not be available in all offices. Please consult your provider for availability.
What can I use the plan to pay for?
For extended plans, you may borrow for full or partial procedure costs ranging from $2,000 to $40,000. For promotional plans, which are no-interest if paid in full within 6, 12, 18 or 24 months, you may borrow for full or partial procedure costs ranging from $499 to $25,000. Subject to credit approval. All payment plans may not be available in all offices. Please consult your provider for availability.
What if I need to finance other dental procedures for my immediate family?
You can finance more than one procedure at a time, combining them so you have one convenient monthly payment.
I had a credit problem a few years back. Can I qualify for this program?
There are a variety of plans available for families with challenging credit histories. Credit guidelines are designed to approve as many applications as possible. Call a friendly Springstone℠ consultant to discuss your unique situation.
Terms and Conditions
1. Extended plan rates range from 3.99% to 17.99% APR. Terms available based on amount financed and credit history. All payment plans may not be available in all offices. Please consult your provider for details.
* No-Interest if paid in full within 6, 12, 18 or 24 months: If the balance is not paid in full in 6, 12, 18 or 24 months from date of purchase, interest will be imposed from the date of purchase at an APR of 22.98%. This APR will vary and is based on the Prime Rate. Payments are required during the promotional period (as described in your credit agreement). Minimum monthly INTEREST CHARGE of $1.00. Purchase must be charged to your Springstone℠ account. Minimum purchase of $499 for 6 months; $999 for 12 months; $1,499 for 18 months; $2,499 for 24 months required. No-Interest payment plans are provided by Comenity Capital Bank.