Dental Financing in Glendale, AZ: 0% Interest Plans Available

Credit requirements vary by lender. CareCredit and Proceed Finance generally require fair to good credit. Cherry uses a soft pull and approves a broader range of credit profiles. Sunbit has a 98% approval rate and does not perform a hard credit inquiry, making it accessible to most patients.

Promotional 0% interest plans through CareCredit and Cherry require the balance to be paid in full before the promotional period ends, typically 6 to 24 months. If a balance remains after the promotional period, standard interest rates apply retroactively. We recommend setting up automatic payments to avoid this.

Yes. You can apply for financing at any point during your treatment. We recommend applying before your first appointment so your plan is in place, but mid-treatment applications are accepted by all of our financing partners.

Minimums vary. Cherry and Sunbit can finance amounts as low as a few hundred dollars. CareCredit and Proceed Finance are better suited for larger treatment plans. Our team can help you choose the best lender based on your treatment cost and repayment preferences.

CareCredit approval is based on creditworthiness as assessed by Synchrony Bank. Most approvals occur with a credit score above 620, though requirements may vary. If CareCredit is not an option, we can discuss Lending Club Patient Solutions or an in-office payment plan as alternatives.

Yes. CareCredit offers promotional 0% APR financing for qualifying treatment amounts, typically for 6, 12, or 18 months depending on the plan selected. Interest-free periods require minimum monthly payments and that the balance is paid in full before the promotional period ends to avoid deferred interest charges.

No. Smile Science is 100% owned by Dr. Dawson and Dr. Turke, two practicing dentists. There are no outside investors, no private equity involvement, and no management company directing clinical decisions. Both owners practice here full time. In a DSO or corporate chain, treatment recommendations can be influenced by investor returns, production quotas, or rotating providers who do not know your history. At Smile Science, the people making your treatment decisions are the same people whose names are on the practice. They are the doctors you will see at your appointment.