Many people delay or decline dental implant treatment for a single reason: cost. Recent studies show that a majority of Americans consider dental care unaffordable, and many admit they would postpone even necessary or urgent treatment because paying upfront feels overwhelming. That delay often comes with consequences. When missing or failing teeth go untreated, oral health can decline, everyday function becomes harder, and related health concerns can compound over time. Financing changes that equation. Instead of waiting years to save or settling for a less effective option, patients can proceed with dental implant treatment and spread the cost into manageable monthly payments. Financing can make a long-term solution like dental implant treatment realistic, timely, and truly transformative for overall health and quality of life.
Dental Implant Financing 101
Dental financing is a way to spread the cost of dental care over time rather than paying the full amount all at once. Instead of one large upfront payment, the total cost of treatment is divided into manageable monthly payments. For many patients, this makes procedures like dental implants easier to plan for and less disruptive to everyday finances.
What many patients do not realize at first is how much the scope of implant treatment can vary. Replacing one tooth with a mini dental implant and crown carries a very different cost than restoring multiple teeth or an entire arch. In some cases, preparatory procedures such as bone grafting are also necessary to support long-term implant stability. These factors can significantly influence the overall investment.
The Financing Process
The process usually starts with a simple application. In many cases, you apply directly through our office or through a financing company they work with. The application typically asks for basic personal and financial information and may include a credit check, depending on the provider. Approval decisions are often made quickly, sometimes within minutes, which means you can move forward with treatment without a long waiting period.
Once approved, the financing company pays our office for the treatment, and you repay that amount over time. Your payment plan outlines how much you will pay each month and for how long. Some plans run for a few months, while others extend over several years. The length of the plan and the monthly payment amount depend on the total cost of treatment and the terms of the financing agreement.
Dental financing can be helpful because it removes the need to delay care while saving up for the full cost. It also allows you to choose a payment structure that fits into your monthly budget rather than rearranging finances around a single expense.
Your Dental Implant Financing Options at Smile Center of Huntsville
At Smile Center of Huntsville, we offer dental financing through two trusted partners: Sunbit and Cherry.
Sunbit provides flexible financing that patients can apply for either in the office or online. The application uses a soft credit check, which means it does not immediately affect your credit score. Approval is often quick, and payment plans may extend over longer periods depending on the option selected.
Some plans include promotional interest-free periods, with interest applying only if the balance is not paid within that timeframe. Sunbit also offers a reusable credit option, which can be helpful for future dental needs.
Cherry provides a streamlined financing option with a fast application and a soft credit check, allowing many patients to see their options within minutes. Cherry places a strong emphasis on clarity, with payment plans that may include interest-free periods or longer-term options depending on the terms you choose.
While both Sunbit and Cherry break treatment costs into manageable monthly payments, they differ slightly in their structure. Sunbit offers broader flexibility and reusable options, while Cherry emphasizes simplicity and transparency.
When you visit for a free implant consultation, we walk you through both options so you can choose the financing solution that best fits your budget and preferences.
Book a Free Consultation Today
If cost has been the main factor holding you back from exploring dental implant treatment, a consultation can provide clarity without pressure. At Smile Center of Huntsville, we use your visit to evaluate your oral health, discuss the type and scope of implant care that fits your needs, and review financing options in detail so there are no surprises. Contact us today to book a free consultation and review your financing options with our team.
