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Sixteen carriers including Delta, Cigna, Aetna, all 4 major BCBS-network plans, AARP, and "I don't see my plan." We file claims for every carrier.
Glendale, Arizona
Dental Financing in Glendale, AZ
Quality dental care should not be out of reach because of upfront cost. SmileScience Dental Spa works with four financing partners -- CareCredit, Cherry, Sunbit, and Proceed Finance -- so you can get treatment now and pay on terms that work for your budget.
Why It Matters
Delayed Treatment
Almost Always Costs More
Many people delay dental treatment because the cost seems overwhelming upfront. The problem is that delayed treatment almost always becomes more expensive treatment. A cavity that needs a $250 filling today may need a $2,000 crown next year, and a $4,000 implant the year after that. The underlying infection or structural damage does not wait for your finances to improve.
Financing allows you to start treatment now -- before small problems become large ones -- and spread the cost over months or years at payments that fit your monthly budget. Many of our patients combine financing with their dental insurance coverage to reduce out-of-pocket costs even further. Others use pre-tax FSA or HSA funds before applying financing for the balance.
The goal is simple: make it so that no one at SmileScience Dental Spa ever has to walk away from care they need because of how payment works.
Our Partners
Four Lenders to Fit
Every Credit Profile
We work with multiple partners because no single lender approves every patient at the best rate. Having four options means we can find the right fit regardless of your credit history or treatment amount.
CareCredit
CareCredit is the most widely accepted healthcare credit card in the United States. It offers promotional 0% APR periods of 6, 12, 18, or 24 months for qualifying applicants who pay the full balance before the promotional period ends. Extended payment plans at reduced APR are also available for patients who prefer fixed monthly payments over a longer window.
Important: Deferred Interest
CareCredit's 0% promotions use deferred interest -- interest accrues during the promo period but is only charged if the full balance is NOT paid before the deadline. If you carry even a small remaining balance at the end of the promotional period, all accumulated interest is added to your account at once. Pay the full balance before the deadline to keep the 0% benefit.
Best for: Patients with good-to-excellent credit who want zero interest and can reliably pay off the balance within the promotional window.
Cherry Financing
Cherry uses a soft credit pull to prequalify patients -- applying does not affect your credit score. Plans range from 3 to 24 months with competitive rates. The mobile-first application process takes about 60 seconds and typically delivers an instant decision, making it one of the fastest ways to secure financing at your appointment.
How the Soft Pull Works
Prequalification uses a soft inquiry that is not visible to other lenders and does not lower your credit score. If you choose to proceed and accept a loan offer, a hard inquiry is then performed. You can check your eligibility risk-free before committing.
Best for: Patients who want a fast decision with no credit score impact during the prequalification step, or who have been turned down elsewhere.
Sunbit
Sunbit uses AI-driven approval technology that approves approximately 85% of applicants, including patients with fair or limited credit history who may have been declined elsewhere. Plans span from 3 to 36 months. The application is completed in-office in under two minutes on a phone or tablet with no hard credit inquiry during the initial application.
Why 85% Approval Matters
Traditional lenders often reject applicants with scores below 650. Sunbit's AI model evaluates dozens of data points beyond a traditional credit score, leading to significantly higher approval rates across a wider range of financial situations.
Best for: Patients with fair or limited credit who need the highest likelihood of approval and want flexible term lengths.
Proceed Finance
Proceed Finance specializes in larger treatment amounts with longer repayment windows. Loan amounts typically up to $35,000 with fixed monthly payments and terms from 24 to 84 months. Unlike deferred-interest products, Proceed Finance uses a fixed APR from day one -- your monthly payment never changes and you always know your total cost.
Fixed APR vs. Deferred Interest
Proceed Finance charges a fixed APR from the start with no promotional deadline trap. For larger cases where a 12 or 24-month payoff is not realistic, a 48 or 60-month fixed-rate plan often results in lower total interest than missing a deferred-interest deadline on a shorter-term product.
Best for: Larger investments such as implants, All-on-4, full mouth rehabilitation, or Invisalign where spreading cost over 3 to 7 years makes sense.
What to Expect
Sample Monthly
Payment Estimates
Estimates below are illustrative. Actual rates vary by applicant and are determined at approval.
| Treatment Cost | Plan | Term | Est. Monthly |
|---|---|---|---|
| $1,500 | CareCredit 0% promo | 12 mo. | ~$125 |
| $3,000 | CareCredit 0% promo | 18 mo. | ~$167 |
| $5,000 | CareCredit 0% promo | 24 mo. | ~$208 |
| $8,000 | Proceed Finance fixed APR | 48 mo. | ~$200 |
| $15,000 | Proceed Finance fixed APR | 60 mo. | ~$317 |
Estimates assume approximately 9.99% APR for fixed-rate plans. Actual rates are determined by lender at approval. All figures for illustration only.
Smart Stacking
Combining Insurance
and Financing
For patients who have insurance, financing does not replace it -- it complements it. The workflow is straightforward: your insurance processes first and pays its covered portion. The remaining out-of-pocket balance is what you finance.
Example: A crown that costs $1,800 total might be covered at 50% by your insurance after you have met your deductible. That leaves you with a $900 balance, which fits comfortably on a 6 or 12-month 0% promotional plan with a payment under $150/month.
We present your financing options with the post-insurance balance in mind, so the payment estimates you see reflect your actual out-of-pocket amount -- not the full procedure fee.
Pre-Tax Savings
FSA & HSA:
Tax-Advantaged Payment
Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) let you pay for dental care with pre-tax dollars, which is effectively a 20% to 35% discount depending on your federal income tax bracket.
FSA vs. HSA Key Differences
- FSA -- employer-sponsored, annual max contributions, use-it-or-lose-it by year end. If you have unspent FSA dollars near year end, dental care is a great eligible expense.
- HSA -- tied to high-deductible health plans, contributions roll over indefinitely year to year, can be invested and grow tax-free. Even better for planned dental work.
We accept FSA and HSA debit cards directly at our office. For large cases, patients sometimes use FSA/HSA for part of the cost and finance the remainder -- a powerful combination that minimizes total out-of-pocket spending.
Budget Management
Phased Treatment Planning:
Not Everything at Once
If you have multiple treatment needs and the full cost is daunting, phased treatment planning lets you address the most urgent priorities first and schedule remaining work over time. The doctor will distinguish between what is urgent (active decay, infection, pain), what is important but not urgent (worn teeth, old restorations nearing end of life), and what is elective (cosmetic improvements).
Phased treatment also helps you maximize insurance benefits across calendar years. For example, a patient who needs two crowns might schedule one crown in November and one in January to use benefits from two separate policy years, reducing total out-of-pocket cost significantly.
This kind of planning is something our team does routinely. At your consultation, we will present a written treatment plan with a recommended sequence and help you think through the financing options for each phase.
Our Philosophy
Why We Work With
Multiple Lenders
Different Credit Profiles
CareCredit rewards strong credit with 0% promos. Sunbit and Cherry are designed to approve applicants that traditional lenders decline. Having both means we can serve patients across the full credit spectrum.
Different Treatment Sizes
Sunbit works well for a $400 crown. Proceed Finance is purpose-built for a $20,000 full arch case. The right lender depends on the treatment amount as much as your credit profile.
Backup Options
If a patient is declined by one lender, we do not stop there. We walk through the next option immediately. Our goal is to find a workable path for every patient who wants care.
How Financing Works at Our Office
- Step 1
Treatment fees are determined at your examination. We will provide you with a written treatment plan that clearly shows the full fee, what your insurance is expected to cover (if applicable), and your estimated out-of-pocket balance before any discussion of financing begins.
Book Your Consultation
Review Your Options
Step 2Our team walks you through the financing partners most likely to fit your situation -- comparing monthly payment amounts, promotional period lengths, and interest structures side by side. We explain the deferred interest vs. fixed APR distinction clearly so you can choose with confidence.
- Step 3
Applications for CareCredit, Cherry, and Sunbit are completed on a phone or tablet in under two minutes with instant decisions in most cases. Proceed Finance applications typically complete within one business day. All four lenders offer online application as well if you prefer to apply from home before your appointment.
Apply In-Office or Online
Use FSA/HSA If You Have It
Step 4Before or after applying for third-party financing, let us know if you have FSA or HSA funds. We can apply those directly to your balance, reducing the financed amount and your total interest cost. We accept FSA and HSA debit cards just like any other payment method.
- Step 5
Once financing is approved, treatment can begin at your next scheduled appointment. There is no delay. Many patients go from consultation to treatment start the same day or the following week.
Begin Treatment
Live coverage estimator
What will my dental work actually cost?
Three quick taps — pick your insurance, pick your procedure, see the patient-cost range against our 2026 fee schedule next to our in-house membership plan. No login, no email, no sales pitch.
- 3quick taps
- ~30sto estimate
- 16carriers
- 20procedures priced
Estimate range, not a quote. Final cost depends on your specific plan benefits, remaining annual max, and clinical findings at your consult. Defaults used here: $1,500 annual max, $50 deductible.
Choose the procedure
Plain-language categories — Cleaning, Filling, Crown, Root Canal, Extraction, Gum Treatment, Implants, Cosmetic. Drill down to the specific option that matches your case.
See your patient cost — as a range
Insurance estimate vs. our in-house membership plan, side-by-side. Ranges (not single numbers) so you're not surprised at the desk. Real 2026 Glendale-market pricing.
Frequently Asked Questions
Sunbit and Cherry are specifically designed to approve a broader range of credit profiles than traditional lenders. Sunbit approves approximately 85% of applicants. We recommend applying to multiple partners if one declines you, as each lender uses a different evaluation model. Having no credit history is different from having damaged credit -- some lenders respond favorably to thin credit files.
Yes. Insurance pays first, financing covers your remaining out-of-pocket balance. We submit your insurance claim and present your financing options based on your estimated post-insurance balance. You do not have to choose between insurance and financing -- they are designed to work together.
Deferred interest means that interest accrues during the 0% promotional period but is waived if you pay the full balance before the deadline. If you carry any remaining balance at the end of the promotional period, all of that accumulated interest is charged at once. The key is to never miss the deadline. We recommend setting a calendar reminder and paying the balance a full month early to be safe. For patients who are not confident they can pay off the balance in time, a fixed-rate plan from Proceed Finance may be a better fit even if the APR is higher.
There is no office-imposed minimum. Lender minimums vary: CareCredit has no stated minimum for most accounts. Cherry and Sunbit work with most treatment amounts including routine restorative care. Proceed Finance is best suited for cases above $2,500. Our team will advise which lender is the best fit for your specific amount.
Cherry uses a soft pull for prequalification, which does not affect your credit score. Sunbit does not perform a hard inquiry during the initial application. CareCredit and Proceed Finance do perform hard inquiries when you formally apply, which may cause a small temporary reduction in your score. Checking your rate with Cherry or Sunbit first is a safe way to explore options without credit impact.
Yes. Most dental services are IRS-qualified medical expenses eligible for FSA and HSA payment. This includes exams, cleanings, fillings, crowns, implants, Invisalign, and many other procedures. We accept FSA and HSA debit cards directly. Using pre-tax dollars saves you 20 to 35 percent compared to paying with after-tax income, depending on your federal tax bracket. If you have FSA funds that expire at year end, contact us early -- we can often schedule eligible treatment before the deadline.
Absolutely. You can put a down payment on the account and finance only the remainder. Some patients use savings or FSA/HSA funds to cover a portion and finance the rest. There is no requirement to finance the full treatment amount -- finance what makes sense for your cash flow situation.
If one lender approves a partial amount, we can apply that approval to your account and explore a second option for the remaining balance. We can also look at phasing your treatment so that the most urgent work is covered by your approved amount first. Our team is experienced at building workable payment plans across multiple funding sources.
Phased treatment spreads work across multiple appointments and sometimes multiple policy years, making the total cost more manageable. For example, if you have two crowns needed, scheduling one before December 31 and one after January 1 allows you to use insurance benefits in two separate calendar years -- potentially doubling your insurance contribution. Our team will identify these opportunities when reviewing your treatment plan.
What Our Patients Say
4.9 (437 reviews)
I recently had the pleasure of visiting Smile Science Dental Spa, and I couldn't be more impressed with the level of care and service provided by the entire team. Dr. Dawson and Dr. Turke are both incredibly skilled and made me feel completely at ease throughout my procedures. Their professionalism, combined with their gentle approach, made me feel comfortable and well-informed every step of the way. I was especially impressed that I was able to get a same-day crown(apparently their first ever!), which exceeded my expectations. I couldn’t believe how quick and seamless the process was. It really saved me time and made the experience even more convenient. Cindiray and Angeles, the dental assistants, were equally wonderful. They were not only friendly and attentive but also thorough in explaining everything and made sure I was relaxed during each phase of my visit. Lastly, a big thank you to Litzy at the front desk, who greeted me with a smile and helped with scheduling and any questions I had. She made the entire check-in process a breeze. From start to finish, my experience at Smile Science Dental Spa was exceptional. I'll be returning for sure. I highly, highly, highly recommend them for anyone looking for high-quality dental care.
View Full Review on GoogleDusty
Honestly I’ve never been so happy to go to the dentist. I came in (late due to Lyft) and was still taken care of and treated with care. Even without insurance (kicking in within the next month) prices for an extraction on my infected tooth were more than reasonable. I was able to get more than expected done in the same visit. Dr. Dawson and his team made me feel so comfortable and taken care of. Won’t go anywhere else.
View Full Review on GoogleCherish B
I recently started as a patient after leaving our long-time family Dentist and couldn’t be happier! Marcela is AMAZING and a FANTASTIC hygienist!!!! 😃 Dr Dawson is great too! Every time I visit, they make me feel like family.
View Full Review on GoogleTJ Winzeler
Myself and my family had previously gone to Dr. Turk at another dental office that he worked at. He had relocated and we did not know where he had gone to until this week. Today I got in with Dr. Turk and he took the time to look at my x-rays carefully . I was having pain from a tooth and some other issues. The previous Dentist I went to that I saw just a few days earlier, he did not find any issues with my tooth which I had pain in. Dr. Turk identified infection and referred me to an endodontist. He is very gentle as a wonderful disposition and my self and my family are thrilled to be able to get back with him. The office is lovely, relaxing music, heat and massage chair.I have always been very nervous and some anxiety going to dentist as I have had bad reactions with the anesthesia. I am confident that Dr. Kirk will help me get through my next appointment just fine. “The staff are very kind and attentive. I am looking forward as I have quite a bit of work to be done, and I know I’m in good hands with Dr. Turk and his staff. Five stars!⭐️ Sherry
View Full Review on GoogleSherry Redmond
I recently moved to Arizona and had an issue with a tooth repair from 15 years back. Not knowing anyone here in my new home, I searched dentists close to me. I chose Smile Science much like pinning the tail on the donkey and my selection couldn't have been better! What a terrific staff! Dr. Turke was concerned the tooth would need to be extracted, but said he wanted to take a shot at saving it..and that's just what he did! After setting a temporary crown, I was on my way with an appointment to install the permanent crown in the following two weeks. That evening I received a call I've never received from a dentist. Dr. Turke had taken the time to follow up with me to make sure I wasn't in any discomfort..I was completely caught off guard by this kind of attention to detail and caring for my well being. The permanent crown is now in place, it fits and feels fantastic, the job and treatment are first class! Thank you, Dr. Turke and staff for taking in this stray and giving me a home dentist! I'd like to say that I'm just good at selecting blindly, but the truth is I am very lucky..and I'll take lucky over being good any day of the week! Thank you, again and Happiest of New Year's in 2026, Science Smile!!
View Full Review on GoogleEddy
Get the Care You Need Without Delay
Contact SmileScience Dental Spa in Glendale, AZ to book your consultation. We will walk you through every financing option and help you find the combination of insurance, FSA/HSA, and third-party financing that minimizes your out-of-pocket cost.