Interest-Free Financing
Everyone is eligible for our 0% interest in-house financing, regardless of credit history!
In order to apply your treatment costs to our financing plan, the following requirements must be met:
- $300 minimum out-of-pocket expense*
- Down payment required:
- 50% down if all expenses are out-of-pocket (no more than 3 monthly payments)
- 50% down if insurance pays less than 80% of your treatment (no more than 3 monthly payments)
Additional Limitations:
- Treatment costs are not eligible for discounts (uninsured patient discount, senior discount, etc) if you choose to use our financing.
- Patients using certain discount plans, such as FourStar, are NOT eligible for our financing. Check with our office for more details.
*Out-of-pocket expense means any amount for which you are responsible. This does not include any amount which your insurance pays.
Example 1: No Insurance
You are uninsured and you require treatment which totals $450. You can pay in full and receive a 5% discount, or choose to finance the full $450:
- Down Payment (50%) = $225
- Remaining balance = $225 divided by 6 = $37.50 per month for 6 months
Example 2: No Insurance
You are uninsured and you require treatment which totals $200. You are NOT eligible for financing because your expense totals less than $300. You must pay in full. You will still receive a 5% discount for being uninsured and paying in full.
Example 3: Insurance
You have insurance which pays 50% of your treatment costs.
Your treatment totals $450. You are NOT eligible for financing because your insurance pays 50% ($225) of your treatment, leaving you with an out-of-pocket expense of $225, which is less than the $300 minimum. You must pay in full. You are not eligible for any additional discounts.
Example 4: Insurance
You have insurance which pays 80% of your treatment costs.
Your treatment totals $1500. Your insurance will pay 80% ($1200) of your treatment, leaving you with an out-of-pocket expense of $300. You can choose to pay this in full or finance the amount:
- Down Payment = $0
- Remaining balance = $300 divided by 6 = $50.00 per month for 6 months.
Example 5: Insurance
You have insurance which pays 60% of your treatment costs. Your treatment totals $1200. Your insurance will pay 60% ($720) of your treatment, leaving you with an out-of-pocket expense of $480. You can choose to pay in full or finance the amount:
- Down Payment (20%): $96.00
- Remaining balance: $384 divided by 6 = $64.00 per month for 6 months