A confident smile shouldn’t come with financial stress. Whether you’re replacing a single tooth or need a full set of dentures, the costs can feel overwhelming — especially when insurance falls short or isn’t available at all. 

But there’s good news: dentures financing can help patients restore their oral health without sacrificing their budget. From monthly payment plans to interest-free installments, today’s dental financing options are more accessible than ever. And for dental practices, offering flexible payment plans is a proven way to boost treatment acceptance and make a real difference in your patients’ lives.

What Is Dentures Financing?

Dentures financing refers to the flexible payment plan options that allow patients to break up the cost of dental procedures — specifically dentures — into manageable installments rather than paying the full amount upfront. For many people, replacing missing teeth is not just cosmetic; it’s essential to restore function, speech, and overall oral health. But the out-of-pocket cost can be a major hurdle, especially when insurance coverage is limited or nonexistent.

By offering dental financing options, dental practices can help patients access necessary dental care immediately, rather than delaying treatment due to financial strain. Whether it’s full mouth dentures, partial dentures, or implant-supported dentures, financing gives patients a practical way to get the care they need on a budget that works for them.

How Much Do Dentures Cost with Financing?

The average cost of dentures ranges between $1,000 and $8,000 depending on the materials, procedure complexity, and whether they’re supported by dental implants. Without dental insurance plans or assistance from an insurance provider, these expenses can be difficult to manage. Fortunately, many financing options allow patients to make fixed monthly payment plans, with terms often ranging from 6 to 36 months or more.

Interest rates and APR (annual percentage rate) vary by lender and are often based on your credit score or credit history. Some third-party financing companies even offer interest-free periods for qualified borrowers with good credit, making it easier to budget dental expenses over time.

The Benefits of Dentures Financing for Dental Practices

For dental offices, offering dentures financing improves treatment plan acceptance rates and reduces the number of patients who delay or decline care due to cost. It also makes your practice more competitive, especially when catering to new patient inquiries or those without dental benefits.

Implementing in-house or third-party financing increases approval rate flexibility. It allows patients with bad credit or limited credit report history to move forward with treatment through pre-qualifying tools that don’t affect their score. This can significantly expand your patient base and help you convert consultations into booked procedures — often with same-day approvals.

The Benefits of Dentures Financing for Patients

Patients benefit from dentures financing in several key ways:

• Affordable access: With flexible payment options, even extensive dental work like veneers, root canals, and tooth extraction can become financially accessible.
  
• Predictable payments: Monthly payments are clearly structured, with transparent repayment terms and no hidden fees if the lender is reputable.
  
• Customized care: Patients can prioritize their dental health and choose the best dental treatment option rather than settling for less due to cost limitations.
  
• Faster service: With credit approval in minutes, patients can often begin care the same day, especially if the office offers free consultation or check-ups upfront.

Best Dentures Financing Options for Patients and Practices

There are several ways to finance dental services, but not all are created equal. Here’s a breakdown of the most effective dental financing solutions available today.

Buy Now, Pay Later (BNPL)

Cherry is a standout in BNPL financing plans for healthcare. With a fast and easy application process, patients can prequalify without a hard credit check and choose installments that suit their financial situation. Cherry partners with dental practices to offer flexible financing at the point of care, making it easier for patients to get loan offers immediately and accept their treatment plan without delay.

Cherry’s system also integrates smoothly for practices, helping boost case acceptance, reduce staff time spent on administrative tasks, and improve cash flow by getting practices paid upfront in 2-3 business days. For patients, there’s no need to worry about origination fees, and they can get approval decisions in just a few minutes.

Credit Cards

Many patients pay for dental work with Mastercard, Visa, or American Express — especially if they have a high credit limit or excellent credit. While this can be convenient, the downside is that interest rates are often higher, and the debt can quickly add up if not paid off quickly. Still, it's an option for those who want to take advantage of rewards programs or healthcare spending flexibility.

Medical Credit Cards

Healthcare-focused credit cards like CareCredit are specifically designed for medical and wellness expenses, including dental procedures. They often offer interest-free periods for qualifying purchases, but terms can vary based on your credit approval status. 

Applicants with bad credit may face higher APR or lower approval rates. And if patients don’t pay off their balance by the end of the promotional period, they may find themselves having to pay interest retroactively on the loan from the day it was disbursed — known as deferred interest.

Personal Loans

Some patients explore personal loans through banks, credit unions, or online lenders. This method may provide a lump sum to cover all dental expenses, including x-rays, cosmetic dentistry, and full dental treatment plans. While these loans may have more predictable repayment terms, they also involve a more thorough credit check and sometimes include origination fees or higher loan term lengths.

In-House Payment Plans

Some dental practices offer in-house payment plans, which are handled directly through the office with no third-party financing. While this gives practices full control over payment plan options, it also increases the risk and administrative overhead. Patients, on the other hand, may benefit from custom schedules and more lenient eligibility requirements — especially those without strong credit history.

Dental Insurance Plans & Medicaid

Although not a direct form of financing, patients should also explore dental insurance plans, Medicaid, FSAs (Flexible Spending Accounts), or HSAs (Health Savings Accounts) benefits. Depending on the insurance company, coverage for dentures, tooth extraction, or check-ups may reduce the need for large loan amounts or financing altogether.

Online Lenders

Online lenders like Lending Club also offer dental loans specifically tailored for dental needs like fillings, orthodontics, and even dentures. These can be good solutions for patients who don’t qualify for interest-free options or who need higher loan amounts to cover full mouth restorations.

Making Flexible Financing Simple with Cherry

Offering dentures financing isn't just a benefit — it’s a necessity for practices that want to grow and patients who need essential care. Among the available solutions, Cherry stands out for its flexible payment, quick credit approval, and seamless integration into your existing practice workflow. Whether you're a patient looking for manageable dental payment plans or a practice looking to increase case acceptance, Cherry offers an easy, transparent path forward.

Ready to make dentures more affordable? Get started with a free demo to see how you can offer smarter dental financing options for all.

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