Four financing partners. Most patients qualify.
We work with Sunbit, CareCredit, Cherry, Proceed. Most are soft credit pulls (no impact on your score), and approval typically happens in under a minute. Combined with insurance when applicable.
Four ways to finance your treatment.
Sunbit
Sunbit is the easiest first step for most patients. Soft credit pull means it doesn't affect your score. Approval rates are high — even patients with credit challenges often qualify. Terms typically 12–60 months with reasonable APR.
CareCredit
Healthcare-specific credit card. The 0% intro APR option is excellent if you can pay off the implant treatment within the promotional window. After the promo period, standard APR applies — be aware of when the 0% ends.
Cherry
Quick approval, often same-day. Useful for patients who want a soft credit check process. Terms typically 6–24 months. Fees apply on longer terms.
Proceed
Designed specifically for elective dental and aesthetic procedures. Longer terms available (up to 84 months) for larger treatment plans like full-mouth reconstruction.
Insurance + financing combined
Many patients combine PPO insurance benefits with one of our financing partners. Insurance typically covers 30–50% of implant treatment depending on your plan. The rest goes onto a Sunbit, CareCredit, Cherry, or Proceed plan, and the monthly payment is structured around what you can comfortably afford.
A practical guide to dental implant financing for patients comparing $1,999 single-tooth and $12,500 per arch All-on-4 against $4,500–$35,000 industry pricing.
Dental implant cost without insurance: the four scenarios most patients face
Roughly 40% of our patients pay for implants entirely without insurance. Within that group, four financial profiles are typical. (1) Patients with steady employment but no dental benefits — common among self-employed contractors, gig-economy workers, and small-business employees — generally finance through Sunbit or CareCredit over 24–36 months, with monthly payments under $80 for a $1,999 single-tooth implant. (2) Patients near retirement with adequate income but capped dental benefits typically pay $1,999 upfront for single-tooth cases and use Proceed for All-on-4 over 60–72 months. (3) Patients with credit-history limitations are best served by Sunbit's soft-credit-pull approval model — no FICO impact, decisions in under 60 seconds, approval rates substantially higher than CareCredit's. (4) Patients comparing our $1,999 single-tooth or $12,500 per arch All-on-4 against $4,500+ private practice or $25,000+ corporate-chain quotes often find that the lower base price plus standard financing produces a monthly payment one-third to one-quarter of the alternative.
PPO insurance interaction with implant pricing: what actually happens at the front desk
Most patients with PPO dental insurance assume their plan will cover implants. The reality is more nuanced. Delta Dental, Cigna, MetLife, Aetna, Guardian, United Healthcare, Anthem Blue Cross, and Principal — the major PPOs we accept — vary substantially in implant coverage by employer plan. A typical plan covers 40–50% of 'major restorative' work (which usually includes implants) up to an annual maximum of $1,500–$2,500. Some employer plans, particularly those that were renewed during cost-cutting cycles, exclude implants entirely as 'cosmetic' even when the implant replaces a functionally critical tooth. Our front-desk team verifies your benefits — every plan, every patient — before consult and itemizes in writing exactly what insurance will pay versus what you owe. For our $1,999 single-tooth implant with 50%/$1,500-cap coverage, the typical net out-of-pocket is $1,000–$1,300; for the same insurance against a $4,500 private-practice quote, the net out-of-pocket is $3,000–$3,500.
Stacking insurance, financing, and FSA/HSA accounts for All-on-4 affordability
For larger procedures — All-on-4 at $12,500 per arch, full-mouth dual-arch reconstruction at $25,000, or zygomatic-supplemented full-arch protocols — most patients use a stacked payment strategy. Insurance typically covers $1,500–$2,500 per arch under the annual maximum; FSA (Flexible Spending Account) or HSA (Health Savings Account) funds can cover an additional $3,000–$4,300 in pre-tax dollars (effectively a 25–35% discount on that portion depending on tax bracket); the remainder is financed through Proceed over 60–84 months. A typical $12,500 per arch All-on-4 case for a Sacramento-region patient with PPO insurance and HSA funds nets a monthly payment of $150–$220 over 72 months — comparable to a car payment and significantly less than the $400–$700 monthly that the same case would require at $25,000+ ClearChoice pricing under identical financing terms.
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