CareCredit

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Did you know?

150,000 enrolled practices now offer CareCredit to help patients get the care they want and need.
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Listen to Colleagues

Share how CareCredit increases their treatment acceptance and production.

Overview of Patient Financing

What is CareCredit?

CareCredit is a healthcare credit card for every member of the family, offered by more than 65% of all dentists to help patients access the care they need and want. To date, over 20 million patients have used one of CareCredit’s convenient monthly payment plans to get care. In fact every four seconds another patient uses or applies for CareCredit. For patients with employer-provided benefits, CareCredit helps bridge the gap between insurance and the cost of their dental needs. For patients without insurance, CareCredit is a convenient and comfortable way to fit recommended dentistry into their lifestyle and budget. Plus CareCredit is a revolving line of credit the patient, and their family, can use for their ongoing dental needs.1

What does CareCredit offer?

Comprehensive Range of Payment Options

No Interest if Paid in Full within
the Promotional Period*

On Purchases made with your CareCredit credit card. Not all promotional plans are available at all Participating Professionals. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period or if you make a late payment. Minimum Monthly Payments Required and may pay off purchase before end of promo period.

  • 6 months
  • 12 months
  • 18 months
  • 24 months

14.90% APR and Fixed Monthly Payments Required Until Paid in Full**

On Purchases made with your CareCredit credit card. Fixed monthly payment amount based on repayment over 24, 36, 48 or 60 month period. Purchases of $1000 or more are eligible for a 24, 36 or 48 month offer and purchases of $2500 or more are eligible for a 60 month offer. Not all promotional plans are available at all Participating Professionals.

  • 24 months
  • 36 months
  • 48 months
  • 60 months

Note: Plans offered at Practices discretion.

Why do Doctors offer CareCredit?

Most doctors become interested in CareCredit when they want to:

  • Help patients accept recommended care
  • Perform more of the dentistry they love to do
  • Reduce billing and collections
  • Decrease patients' dependence on insurance benefits
  • Improve patient satisfaction, retention and referrals
  • Reduce cancellations and no-shows due to financial concerns

Why do patients appreciate and use CareCredit?

Patients appreciate the ability to pay over time with a No Interest, if paid in full within promotional period*, or Reduced Interest Payment Plan**. 86% of patients would recommend CareCredit to a friend or family member.2

What makes CareCredit different?

CareCredit has been serving the dental community for nearly 25 years. We constantly listen to dentists and their teams as they discuss the changing needs of their patients. Based on this input, we then enhance and evolve our payment plans to better help patients get care. Here are a few more things that make CareCredit unique:

  1. CareCredit provides instant credit decisions so patients can immediately schedule care.
  2. Applications can be submitted over the phone, on a patient’s smartphone or in seconds online with NO faxing and less paperwork.
  3. CareCredit does not determine patient interest rates based on credit-worthiness. Patients know their interest rates before they apply for financing.
  4. The practice receives payment in 48 hours with no responsibility or recourse if the patient is unable to pay.3
  5. CareCredit provides training to help successfully integrate patient financing as a payment option
  6. CareCredit provides each practice with access to a dedicated Practice Development Team, a group of experienced and trained individuals dedicated and equipped to help practices achieve their goals.
  7. CareCredit consistently communicates with our 7 million cardholders to encourage them to achieve and maintain their oral health. Up to 400,000 of these patients use our online Doctor Locator every month to find a provider in their community who offers CareCredit.
  8. CareCredit has earned the recommendation of most state and national associations.
  9. CareCredit is recommended by hundreds of leading practice management consultants.
  10. CareCredit is integrated into leading practice management software including Carestream PracticeWorks, SoftDent, OrthoTrac and WinOMS. Additionally, CareCredit works with 90,000 dental teams on a daily basis who share with us proven solutions for key practice issues. We then share these great ideas and practical tools with all practices that offer our program.

1 Subject to credit approval, up to their approved credit limit.
2 CSI Study
3 Subject to representations and warranties in the CareCredit Acceptance Agreement for Participating Professionals.

*/** Click here for Details and Terms