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Flexible Dental Financing

Make quality dental care affordable with convenient payment plans and financing options designed to fit every family's budget and needs.

Payment Solutions

Don’t let cost prevent you from receiving the dental care you need. Dr. Birdi offers multiple financing options that allow you to begin treatment immediately while spreading payments over time. Our flexible solutions include healthcare financing programs, in-house payment plans, and customizable arrangements.

Whether you need financing for routine care, major restorative work, or cosmetic treatments, we’ll help you find a payment solution that fits your budget. Our goal is to make excellent dental care accessible to everyone in the Avondale Estates community.

Instant Approval

Apply for healthcare financing and receive instant approval decisions in our office or online. Care Credit and Cherry financing offer quick application processes that take just minutes to complete. Once approved, you can use your financing immediately for treatments, allowing you to start your dental care without delay. No need to postpone necessary treatments while saving money.

Low Payments

Enjoy affordable monthly payments that fit your budget with promotional interest rates and extended payment terms. Many financing options offer no interest if paid within promotional periods, or low fixed rates for longer terms. Choose payment plans that work with your monthly budget, making even extensive dental work manageable and affordable for your family’s financial situation.

Complete Flexibility

Flexible financing terms adapt to your unique financial situation with no prepayment penalties and various payment options. Use financing for any family member, combine with insurance benefits, and choose from multiple repayment schedules. Our in-house payment plans offer even more customization, allowing direct arrangements between you and our practice for maximum convenience and affordability.

Financing Programs Available

Care Credit Healthcare Financing

Special Promotional Offers:

  • 0% interest for 6, 12, 18, or 24 months on qualifying purchases
  • Extended payment plans up to 60 months with low fixed rates
  • No annual fees or prepayment penalties
  • Instant approval available online or in-office

Perfect For:

  • Dental implants and oral surgery procedures
  • Invisalign orthodontic treatment
  • Cosmetic dentistry and smile makeovers
  • Emergency dental treatment
  • Any treatment over $200

Cherry Patient Financing

Healthcare-Focused Financing:

  • Quick online application with instant decisions
  • Fixed monthly payments with predictable budgeting
  • No impact on credit score for checking rates
  • Simple approval process designed for healthcare

Key Features:

  • Loan amounts up to $25,000
  • Terms from 12 to 60 months
  • Competitive fixed interest rates
  • No prepayment penalties

In-House Payment Plans

Coming Soon – Direct Practice Financing:

  • Customized payment schedules created specifically for your situation
  • No third-party financing companies involved
  • Flexible terms negotiated directly with our practice
  • Perfect for uninsured patients or treatments not covered by insurance

Sample Monthly Payments

Common Treatment Financing Examples

Dental Implant Restoration:

  • Total Investment: $3,500
  • Care Credit (18 months, 0% APR): $194/month
  • Cherry Financing (36 months): Starting at $125/month

Invisalign Treatment:

  • Total Investment: $4,500
  • Care Credit (24 months, 0% APR): $188/month
  • Cherry Financing (48 months): Starting at $115/month

Complete Smile Makeover:

  • Total Investment: $8,000
  • Care Credit (36 months, low APR): Starting at $275/month
  • Cherry Financing (60 months): Starting at $195/month

Actual rates and terms depend on credit approval and current promotional offers. These examples are for illustration purposes only.

FAQ Details

How quickly can I get approved for financing?

Both Care Credit and Cherry offer instant approval decisions, often within minutes of submitting your application. You can apply online before your visit or in our office during your consultation. Once approved, you can use your financing immediately for treatment. Our team will help you through the application process and explain all your approved financing options to find the payment plan that works best for your budget.

What credit score do I need for dental financing?

Healthcare financing companies typically work with a wide range of credit scores, and many patients are surprised to find they qualify even with fair credit. Each company has different approval criteria, which is why we work with multiple financing partners to give you the best chance of approval. Even if you’re not approved for one program, you may qualify for another. We’ll help you explore all available options.

Can I use financing if I have dental insurance?

Absolutely. Financing can be used to cover your insurance deductible, co-payments, or any portion of treatment not covered by your insurance plan. Many patients use financing for cosmetic treatments or procedures that exceed their annual insurance maximum. You can combine insurance benefits with financing to make comprehensive dental care more affordable and accessible for your entire family’s needs.

Are there any fees or penalties with financing?

Care Credit and Cherry financing have no annual fees, application fees, or prepayment penalties, meaning you can pay off your balance early without extra costs. Interest rates vary based on the promotional offer and your approved terms. Our in-house payment plans will also be designed with patient-friendly terms. We’ll clearly explain all terms and conditions before you commit to any financing option to ensure complete transparency.

What happens if I can't make a payment?

Life happens, and we understand that financial situations can change. Both financing companies offer customer service to help if you experience temporary difficulties. They may be able to modify payment schedules or provide temporary relief options. It’s important to contact them immediately if you anticipate payment issues. For our in-house payment plans, we’ll work directly with you to find solutions that keep your account in good standing.

Easy Application Process

Simple Steps to Get Financing

Step 1: Choose Your Treatment During your consultation, Dr. Birdi will create a personalized treatment plan and provide detailed cost estimates for all recommended procedures.

Step 2: Explore Financing Options Our team will explain all available financing programs and help you compare terms, payments, and promotional offers to find the best fit for your budget.

Step 3: Apply for Approval Complete a quick application online or in our office. Most approvals happen instantly, allowing you to begin treatment immediately.

Step 4: Start Your Treatment Once approved, you can schedule your procedures and begin your journey to optimal oral health without financial stress.

Ready for a Healthier Smile?​

Don’t let financial concerns delay your dental care any longer. Dr. Birdi and our team are committed to helping every patient access the treatments they need through flexible, affordable financing solutions. Whether you need emergency care, routine treatments, or comprehensive smile makeovers, we have financing options that fit your budget. Our transparent approach means no surprises—you’ll understand all costs and payment terms before beginning treatment. Take the first step toward better oral health and increased confidence. Schedule your consultation today and discover how easy and affordable quality dental care can be with our financing programs.
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Flexible Financing Available in Avondale Estates