Cost should never stand between you and a healthy mouth. Spread your treatment into comfortable monthly payments through one of our trusted partners, and most patients are approved in minutes, with no hard credit check to see your options. →
Slide your treatment estimate and pick a term. We'll show a ballpark payment, your real rate comes from the partner.
Financing partners to fit any budget
Intro APR plans for qualified patients
To check your options, no hard credit pull
Pre-tax dollars accepted
We work with three of the most trusted names in patient financing so there’s a comfortable path forward, whatever your budget or credit looks like.
Best for a fast, modern checkout
A quick, phone-friendly application built for healthcare. Many patients qualify for promotional 0% APR plans, and you can see your options in about a minute.
Best for larger plans & flexible approval
Healthcare Finance Direct is designed to say yes, including for patients who have been turned down elsewhere. Great for bigger treatment plans you want to spread over a longer term.
Best for near-everyone approval
Sunbit’s technology is built to approve the vast majority of applicants. Pick a plan that fits your budget and pay over time, with a fast application and no surprises.
A quick, honest look at how Cherry, HFD and Sunbit differ. Not sure which fits? Tell us at your visit and we’ll point you to the best match.
| Feature | CherryFast & 0%-friendly | HFDFlexible approval | SunbitApproves most |
|---|---|---|---|
| Best for | Fast, modern checkout | Bigger plans & flexible approval | Near-everyone approval |
| Intro 0% APR | Available | Select plans | Select plans |
| Credit to check options | Soft pull | Soft pull | Soft pull |
| Typical terms | 3–24 months | Up to 60+ months | 3–72 months |
| Approval reach | Good credit favored | Widest reach | Very high |
| Down payment | Often none | Small down payment | Often none |
| Apply time | ~60 seconds | A few minutes | ~60 seconds |
Terms, rates and approval are set by each lender and depend on your application. Figures above are typical ranges, not guarantees.
Four simple steps, and most of it happens before you ever leave the chair.
At your visit (or by phone) we give you a clear, written treatment plan with the real cost, no surprises.
Choose Cherry, HFD or Sunbit, or let our team recommend the best fit for your budget and credit.
Quick application from your phone. Checking your options uses a soft pull that won’t hurt your credit.
Approved? Begin treatment right away and pay it down in comfortable monthly installments.
Have a Flexible Spending or Health Savings Account through work? Most dental care qualifies, which means you’re effectively paying with pre-tax dollars. You can stack it on top of a financing plan, too.
Have a PPO plan or our in-house membership? Use it first, then finance whatever’s left of your out-of-pocket. You don’t have to choose one or the other.
Still stuck? Real humans answer the phone Monday–Friday at (512) 884-5656.
Checking your options with Cherry, HFD or Sunbit uses a soft credit inquiry, which does not affect your credit score. You can see what you qualify for before committing to anything.
A hard inquiry only happens later if you choose to move forward with certain plans, and we’ll always make that clear first.
Promotional 0% APR plans are available to qualified patients, most commonly through Cherry. Whether you qualify, and for what term, depends on your application and the lender.
If a 0% plan isn’t a fit, there are still low-monthly options. Our calculator above gives you a ballpark; the partner gives you the real number.
Start with HFD. It’s built to approve a wide range of credit profiles, including patients who’ve been turned down elsewhere. Sunbit is also designed to approve the vast majority of applicants.
There’s almost always a path forward, especially for the care you genuinely need. When in doubt, call us and we’ll help you find the right fit.
It varies by lender and your application, but plans can cover everything from a single crown to a full-mouth rehabilitation or Invisalign case. Larger plans are exactly what HFD’s longer terms are made for.
You’ll always get a written treatment estimate first, so you know precisely what you’re financing. Patients across our Austin studios, from South Lamar to The Domain to Leander, finance everything from a single filling to a complete smile makeover.
Absolutely. We bill your PPO insurance directly, then you can finance whatever out-of-pocket cost is left. The same goes for our in-house Enamel Dental Plan and FSA/HSA funds, they all stack.
We don’t offer CareCredit. Instead, we partner with Cherry, HFD and Sunbit, which together cover the same ground and more: promotional 0% APR plans, soft-pull pre-qualification that won’t touch your credit score, and approval options for a wide range of credit profiles.
If you were planning to use CareCredit, call us at (512) 884-5656 and we’ll help you find the partner that fits your situation best.
A quick rule of thumb: Cherry for a fast application and the best shot at 0%; HFD for larger plans or flexible approval; Sunbit when you just want a quick, near-certain yes.
Still unsure? Tell our team your situation and we’ll recommend the option that saves you the most.
Prefer to just talk it through?
Book your visit, get a clear written estimate, and walk out with a monthly payment that actually fits your budget. Ten studios across Austin and McKinney, zero surprises on the bill.
Real humans answer the phone, Mon–Fri.
