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Paying With CareCredit at Mountainside Dental

CareCredit is a credit card for health care costs, and we accept it. It's their loan, not ours: you apply with CareCredit, they pay the office, and you pay them back over time.

What CareCredit is

CareCredit is a health care credit card from Synchrony. It works at dentists, doctors, vets and other providers that accept it, including us.

Most of our patients use it for one of two things: bigger treatment like implants, crowns or Invisalign, or the part of a bill their insurance doesn't cover, such as a deductible or copay.

How the payment options work

CareCredit sets the terms, not us. Current rates are on carecredit.com.

Promotional

No interest if paid in full

On qualifying purchases, CareCredit offers promotional periods with no interest if you pay the whole balance before the period ends. If any balance is left at the end, interest is charged back to the purchase date, so plan your monthly payments to finish in time.

Longer terms

Fixed monthly payments

For larger treatment, CareCredit also offers longer plans with a fixed monthly payment and interest. Handy when you'd rather know exactly what each month costs.

How it works with us

  1. 1

    Apply

    Apply on carecredit.com or at our front desk. You can check whether you prequalify first, which doesn't affect your credit score.

  2. 2

    Get a decision

    CareCredit makes the decision, usually right away.

  3. 3

    Use it at your visit

    Once approved, you can use your account the same day, even before the card arrives. We can look it up at the front desk.

  4. 4

    Pay CareCredit back

    Your monthly payments go to CareCredit. Questions about your balance go to them too.

Questions about CareCredit

Can I use CareCredit with my dental insurance?

Yes. Your insurance pays its share first, and CareCredit can cover what's left, like a deductible, a copay or treatment your plan doesn't include.

Does applying hurt my credit?

Checking whether you prequalify doesn't affect your credit score. Submitting a full application does involve a credit check. CareCredit explains the details on its site.

Can my family use my CareCredit account?

You can use your account to pay for care for family members, and at other providers that accept CareCredit, including many vets.

Do you offer your own payment plans?

No. We don't lend money ourselves. Along with CareCredit, patients can finance through Cherry. See insurance and financing for the full list.

Thinking about CareCredit?

Apply with CareCredit online, or ask the front desk at your next visit.

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