Dental Financing and Payment Options
A treatment plan should make the clinical steps and the financial steps understandable before you commit. Odessa Family Dental helps patients review estimated fees, available insurance information, and third-party financing choices after the recommended care is clear.
The short answer
Odessa Family Dental works with CareCredit, Proceed Finance, Sunbit, Cherry, CareFi, and LendingClub Patient Solutions. These are independent financing companies. Approval, rates, loan amounts, promotional terms, and repayment requirements vary and are controlled by each provider.
We do not publish a one-size-fits-all implant package price on this page because the appropriate treatment and its cost depend on an examination and individualized plan.
Third-party financing choices
Different programs may fit different treatment amounts, credit profiles, or repayment preferences. Our team can identify the programs available through the practice, but patients should review each provider’s current disclosures before applying.
CareCredit
A healthcare financing option with terms determined by the issuer. Review the current provider disclosures before applying.
Proceed Finance
A patient financing company commonly used for larger dental treatment plans. Eligibility and terms are provider-controlled.
Sunbit
A financing option that may be available for eligible dental treatment. Review the complete agreement and repayment schedule.
Cherry
A third-party patient payment option. Approval, available amount, and terms depend on Cherry’s current program.
CareFi
A healthcare financing option available through participating practices. Ask our team whether it fits the proposed plan and review current disclosures.
LendingClub Patient Solutions
A patient financing program whose approval and repayment terms are determined by the provider.
Important: Links above lead to general provider information, not necessarily Odessa Family Dental’s practice-specific application. Ask our team for the correct application path. Do not assume that an advertised rate or promotion applies to your treatment.
What happens before you approve treatment
Questions to ask before choosing financing
- Is this a prequalification or a full application?
- Will the process involve a credit inquiry?
- What is the APR and total amount repaid?
- Are there fees or deferred-interest conditions?
- When is the first payment due?
- Can the agreement be paid early without penalty?
- What happens if the treatment plan changes?
- Which services are included in the written estimate?
Financing and payment FAQs
Does Odessa Family Dental offer financing?
Odessa Family Dental works with third-party financing companies including CareCredit, Proceed Finance, Sunbit, Cherry, CareFi, and LendingClub Patient Solutions. Availability, approval, loan amount, rates, and repayment terms are determined by the financing provider and may vary by treatment plan and applicant.
Will checking financing affect my credit?
The answer depends on the provider and the step in its application process. Some providers may offer an initial prequalification process, while a full application may involve a credit inquiry. Review the current disclosure from the provider before submitting an application.
Does dental insurance cover implants or All-on-X?
Coverage varies by plan, exclusions, annual maximums, waiting periods, and procedure codes. Our team can help review available benefits, but the insurance company makes the final coverage and payment decision.
Can I get an exact price before an examination?
No responsible estimate can be finalized before the necessary examination and treatment planning. Fees depend on the condition of the teeth and gums, imaging, extractions, grafting, number and position of implants, temporary teeth, final restoration, sedation, and whether one or both arches are treated.
Will I receive a written treatment estimate?
When an appropriate plan has been developed, the team reviews the recommended treatment, anticipated sequence, estimated fees, available insurance information, and payment or financing options. Complex cases may require additional records or a planning visit before the estimate is complete.
Are financing programs offered by Odessa Family Dental?
The listed financing programs are offered by independent third parties, not by Odessa Family Dental. Their current eligibility rules, rates, fees, promotional terms, and repayment requirements control. Financing is not guaranteed.
Get a plan you can understand clinically and financially
Schedule general care online, or start the implant consultation process if you are comparing implant options.
Questions? (816) 633-5393
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