Financing Options

The path forward, made affordable.

Five financing partners. Terms from 12 to 84 months. Soft credit checks at the start. Most patients qualify for a plan that fits their monthly budget, and a smile that doesn’t have to wait.

Broader reading

Dental implant financing - market guide Full-arch implant cost Insurance & coverage $15,000 Per ArchAll-Inclusive

Estimate your payment

What does $15,000 look like in monthly payments?

Adjust the amount financed and the term length for a rough monthly estimate. Actual rates depend on your credit and the financing partner you choose, but most patients qualify for plans within the ranges shown.

For two-arch cases, double the financed amount. Most patients with reasonable credit can structure $15,000 to $30,000 across 60 to 84 months for a manageable monthly payment.
Soft-credit pre-qualification is available with most partners, meaning you can see what you qualify for without affecting your credit score.

Calculation uses 9.99% APR for example purposes. Actual rate depends on credit, partner, and term. Pre-qualification available without affecting credit.

Our five financing partners

Different partners for different needs.

Each partner has different strengths, some specialize in larger amounts and longer terms, others in instant approval at the chair, others in lower interest for higher-credit applicants. We help you pick the right one at consultation.

Best for most patients

Cherry

Soft credit pull · Healthcare-focused: Max amount
Up to $35,000: Term length
3 – 60 months: APR range
0% – 35.99%: Credit check
Soft pull: Instant decision

Purpose-built for healthcare financing, including dental and oral surgery. Checking eligibility doesn’t affect your credit score. Best for most patients with good-to-excellent credit looking for healthcare-friendly terms.

Best for two-arch cases

Proceed Finance

Long-term implant specialist: Max amount
Up to $65,000: Term length
Up to 84 months: APR range
From 9.99%: Credit check
Soft pull initially: Instant decision

Specializes in dental implant financing with the longest terms, ideal for two-arch cases or higher amounts where spreading payments across five to seven years brings the monthly into a manageable range.

Best for deciding same-day

Sunbit

Instant chair-side approval: Max amount
Up to $20,000: Term length
3 – 72 months: APR range
0% – 35.99%: Credit check
Soft pull: Instant decision

Sunbit’s strength is speed, applications take roughly 30 seconds at the chair, and most patients are approved. Useful when you want to commit at consultation without applying for separate financing first.

Best for lowest APR

LendingClub

Higher amounts, lower interest: Max amount
Up to $40,000: Term length
24 – 60 months: APR range
From 7.90%: Credit check
Soft pull initially: Instant decision

Personal loans with potentially lower interest for higher-credit applicants. Best when you want the lowest possible APR and have good-to-excellent credit. Funded as a direct deposit you bring to the practice.

Best for 0% promo payoff

CareCredit

The healthcare credit card standard: Max amount
Varies by approval: Term length
6 – 60 mo promo: APR range
0% promo, then 32.99%: Credit check
Hard pull: Instant decision

The long-standing healthcare financing card. Useful when you can pay off the balance within a promotional 0% window (6, 12, 18, or 24 months). If the balance isn’t cleared in time, deferred interest applies retroactively, read the terms carefully.

HSA & FSA eligible

Tax-advantaged first dollars.

Full-arch dental implant procedures are typically eligible for payment from Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). These pre-tax dollars can substantially reduce your effective cost.

01

The smartest first dollar

If you have access to either account through your employer or health plan, this is often the first money to put toward the procedure.

02

Stack it with financing

Combine HSA/FSA funds to cover part of the cost, and finance the remaining balance over a term that fits your budget.

03

Paperwork handled

We provide all necessary documentation and procedure coding for HSA/FSA reimbursement at no additional charge.

How it works

From “can I afford this?” to “yes, here’s the plan.”

01

Consultation & quote

Complimentary consultation with Dr. Volland for full-arch cases. You receive a written treatment plan with the exact, all-inclusive price for your case, no surprises.

02

Soft pre-qualification

Apply with one or more partners using soft credit pulls. See what you qualify for without affecting your credit score.

03

Choose your plan

Compare offers across partners. Select the term length and monthly payment that fits your budget. We help you read the fine print.

04

Schedule surgery

Once financing is approved and signed, we schedule your surgical date. Your treatment plan is locked in, and so is your monthly payment.

Begin

The first step is complimentary.

The practice opens January 2027 in Bonney Lake, WA. Schedule a complimentary consultation. Get your written treatment plan with exact pricing. Apply for financing on your timeline, no pressure, no obligation, and no commitment until you decide.

Complimentary consultation, no referral required
Written treatment plan with exact, all-inclusive pricing
Soft-credit pre-qualification that doesn’t affect your score

9907 205th Ave E · Bonney Lake, WA 98391

Opening January 2027

Schedule Your Consultation.

Leave your details and we'll reach out as soon as consultations are available. No obligation, no marketing. Just a note when the door opens.

Complimentary full-arch consultations
No referral required for implant cases
Dr. Volland follows up personally

9907 205th Ave E · Bonney Lake, WA 98391

(206) 738-2503

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