A person’s smile is such a central feature of their appearance and personality, and we would never want cosmetic dentistry financing to be an obstacle for you. We work with each of our patients to help make their dental work well affordable. We will be happy to talk with you about any particular financing situation you have, and to help you see your way to brightening and beautifying your smile.
To that end, we work with two healthcare financing companies:
- CapitalOne – From CapitalOne you can get special dental financing with a low monthly payment that will not change. Interest rates are fixed, starting at 1.99% APR. In some areas there are interest-free options, so ask them about that.
Application is easy and can be done online quickly. CapitalOne’s response will also be fast, while you wait. You can obtain timeframes up to 84 months (seven years). If you will be also obtaining dental work at another office – for example, if we refer you to a periodontist – all costs can be taken care of by your CapitalOne account.
The CapitalOne Healthcare Finance website has a page of Frequently Asked Questions which may help you fill in any possible gaps in your picture of this financing option.
- Citibank – You can obtain a Citi® Health Card, a type of credit card. You can use it not only for your dental work, but for other health services such as orthodontists, ophthalmologists and veterinarians. There is no annual fee and no down payment required. By having this separate credit card for healthcare, you can reserve your other credit for non-healthcare use.
You can apply on the Citibank site or here at our office. There will be no delay in Citibank’s response and decision for you. Once you have their verbal or online agreement, you do not have to wait for the card to physically arrive in the mail. You can use this card for your entire family’s health care, wherever the provider is participating in the Citibank program.
You can also manage and pay this account online. Monthly payments are low and interests rates are influenced by your credit standing.
CareCredit – This is a GE Money Company which offers a simple, three-step application process and an instant approval process. It is endorsed by the American Dental Association, the Society for Excellence in Eyecare, and the American Society of Plastic Surgeons, as well as by a long list of State professional associations.
It offers loans for veterinary care as well as your dental or other healthcare procedures. Some loans are no-interest, and there are low monthly payments.
You can apply online, or you can download the application form and bring a printed version of it to our office.
In addition to working with the above financing companies, we also accept all major credit cards, cash and check.
If you have any cosmetic dentistry financing questions that we can answer, we will be happy to do so. Please call or email our cosmetic dentistry office if you would like further information. Our cosmetic dentistry office serves the entire St. Louis, MO area.
8083 Manchester Rd.
St. Louis, MO 63144