Practices: Call 866-247-2712
Consumers interested in applying?

Did you know?

175,000 enrolled practices now accept CareCredit to help patients get the care they want and need.

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, 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 financing options 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 credit card the patient, and their family, can use for their ongoing dental needs.1

What does CareCredit offer?

A Variety of Special Financing Options

No Interest if Paid in Full within
the Promotional Period*

On qualifying purchases of $200 or more made with your CareCredit credit card account. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum Monthly Payments required. Required monthly payments may or may not pay off purchase before end of promotional period.

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

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

On qualifying purchases made with your CareCredit credit card account. Fixed Monthly Payment amount based on repayment over 24, 36, 48 or 60 month period. Purchases of $1,000 or more are eligible for a 24, 36 or 48 month offer and purchases of $2,500 or more are eligible for a 60 month offer.

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

Note: Not all options are available at all participating providers. Ask for details.

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 14.90% APR and Fixed Monthly Payments Required Until Paid in Full**. 96% of cardholders rate CareCredit a good, very good or excellent value.2

What makes CareCredit different?

CareCredit has been serving the dental community for over 25 years. We constantly listen to dentists and their teams as they discuss the changing needs of their patients. We use this input to enhance our programs to better serve the patient and the provider. Here are a few more things that make CareCredit unique:

  1. CareCredit provides instant credit decisions so approved 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. Day after day, CareCredit approves new cardholders for over $20 million in credit lines to help patients obtain the care they want or need.
  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, Windent and WinOMS. Additionally, CareCredit works with 95,000 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 This study was conducted for CareCredit by Chadwick Martin Bailey, a custom market research firm based in Boston MA.
3 Subject to representations and warranties in the CareCredit Acceptance Agreement for Participating Professionals.

*/** Click here for Details and Terms