Dental Financing
Dental Financing provided by Our Expert Dentists
in Bells, Jackson, Milan & Lexington, TN at Premier Dental Center
 If you’re looking into dental financing in Bells, Jackson, Milan, or Lexington, TN, Premier Dental Center works with three financing partners so you can spread the cost of treatment into manageable monthly payments.
The price of dental work shouldn’t force you to choose between your health and your budget. Financing lets you start treatment now and pay over time.
We partner with CareCredit, Cherry, and Sunbit, three companies that specialize in making healthcare more affordable. Between them, there’s usually an option that fits your situation, whether you’re planning a single crown or a full mouth reconstruction.
Financing isn’t only for emergencies. Many patients use it to finally move forward with treatment they’ve put off, or to phase a larger plan into steps they can budget for. Our front office can walk you through which option makes sense before you apply.
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How Dental Financing Works
Dental financing is a payment arrangement that lets you receive treatment now and repay the cost in smaller installments, usually monthly, instead of one lump sum. You apply through a financing partner, and if you’re approved, they cover the treatment cost while you pay them back on agreed terms.
It’s most useful for treatment that falls outside routine care, things like dental implants, Invisalign, crowns, or a full restoration. For everyday preventive visits, our membership plan is often the simpler route, but for larger investments in your smile, financing keeps the cost from becoming a barrier.
Our Financing Partners
 We chose three financing partners so you’re not stuck with a single set of terms. Each takes its own approach, and our team can help you figure out which fits.
CareCredit
CareCredit works like a healthcare credit line you can use for dental treatment and reuse for future care. It’s a widely used healthcare financing option, with a range of payment plans depending on the amount.
Cherry
Cherry offers installment plans that split your treatment cost into fixed monthly payments. The application is quick, and it’s designed to show you what you qualify for in just a few minutes.
Sunbit
Sunbit provides point-of-sale financing you can apply for right at the office when you’re ready to move ahead, with a fast application process. It’s a convenient first option to try.
Approval and terms are set by each lender, not by our office, so the details depend on your own application. Our team can point you to whichever partner makes the most sense for your treatment.
Help Building a Treatment Plan
Financing only helps if the treatment plan behind it makes sense, and that’s where our team comes in. Since 1979, our doctors have helped West Tennessee patients prioritize care, deciding what’s urgent, what can wait, and how to phase a larger plan over time so the payments stay manageable.
We’ll give you a clear estimate before anything begins, so you know exactly what you’re financing and why. There’s no pressure to take on more than you need. More about our team and approach.
How to Apply for Financing
Applying is simpler than most people expect, and you can do it before or during your visit.
Choose your treatment plan
First, we examine your teeth, confirm what treatment you need, and give you a written estimate. Knowing the total helps you pick the right financing option and amount.
Pick a financing partner
Next, our team helps you compare CareCredit, Cherry, and Sunbit based on the treatment cost and what you want in a payment plan. You’re never locked into one choice.
Apply and get a decision
Then you apply directly with your chosen partner, often in just a few minutes, right here at the office or from home. The lender reviews your application and lets you know what you qualify for.
Start your treatment
Once you’re approved, we schedule your care and you begin repaying the lender on your agreed terms. For treatment that happens in phases, we coordinate the timing so it lines up with your plan.
Benefits of Financing Your Dental Care
 Spreading payments out changes what’s realistic, and the benefits go beyond affording a single procedure.
- Start treatment sooner – You don’t have to wait and save while a problem gets worse and more expensive to fix.
- Phase larger plans – Financing lets you tackle a full restoration or a smile makeover in stages without putting the rest of your budget on hold.
- Keep your savings intact – Monthly payments mean you don’t have to drain an emergency fund for a crown or implant.
- Choose terms that fit – With three lenders to compare, you can match the payment length and size to what works for you.
For treatment like dental implants or replacing an existing restoration, financing often makes the difference between doing it now and putting it off for years. If your implants were placed elsewhere, our guide to dental implant restoration covers the restoration side specifically.
Why Choose Premier Dental Center
Plenty of practices offer financing. What sets us apart is that we treat it as part of your care, not an afterthought at the checkout desk. Since 1979, we’ve built our approach around helping West Tennessee families get the treatment they need at a pace they can afford.
With four offices in Bells, Jackson, Milan, and Lexington, you have a convenient place to be seen, and offering three financing partners instead of one means you’re more likely to find terms that actually work. We also handle the full range of treatment in-house, from a single dental crown to full-arch implant work, so your financed plan stays with one team start to finish.
We’re upfront about cost at every step. You’ll always know the total before treatment begins and exactly what your payments will look like, so financing feels like a tool, not a trap.
Financing, Insurance, and Our Membership Plan
Financing is one piece of paying for dental care, and it works best alongside the others. If you have dental insurance, we’ll help you use your benefits first and finance only what’s left over. You can read how we handle benefits and billing in our overview of insurance and billing.
If your main need is routine, preventive care rather than a big procedure, financing may be more than you need. Our in-house membership plan covers cleanings, exams, and X-rays at a flat yearly rate and includes a discount on additional treatment. For patients without coverage, our guide to dental care without insurance lays out how the plan and financing fit together.
Get Started With Financing
Ready to move forward? Call us at 731-300-3000 to talk through your financing options, or schedule an appointment to get an estimate first. Our Jackson office is at 80 Exeter Rd, Jackson, TN 38305. We also serve Bells, Milan, and Lexington. Find the one nearest you among our office locations.
Frequently Asked Questions
What credit score do I need for dental financing?
There’s no single cutoff, because each of our three partners, CareCredit, Cherry, and Sunbit, uses its own approval criteria. That’s exactly why we offer more than one: if one option isn’t a fit, another may be. The only way to know what you qualify for is to apply, which takes just a few minutes.
Will applying hurt my credit?
Some of our partners let you check what you qualify for with a soft inquiry that doesn’t affect your score, while others run a standard credit check. Our team can tell you which is which before you apply, so you’re not caught off guard. When in doubt, ask us first and we’ll point you to the gentler option.
How do I know if a treatment is worth financing?
Financing usually makes sense for treatment in the hundreds or thousands of dollars rather than a routine cleaning, where the membership plan or a simple payment is easier. It’s especially useful when you’re combining several procedures, since you can finance an entire treatment plan as one balance instead of paying for each visit separately. If you’re planning something larger like dental implants, ask us to map out the full cost first.
Can I use financing and dental insurance together?
Yes. We apply your insurance benefits first, then you can finance whatever portion isn’t covered. This is common with larger treatment, where insurance caps out before the full cost is met. Our front office handles the coordination so you’re not doing the math yourself.
Do you offer in-house payment plans, or only third-party financing?
We work with three outside financing partners, CareCredit, Cherry, and Sunbit, rather than carrying financing in-house, which lets you choose from different terms and approval options. For routine care, our in-house membership plan offers a flat yearly rate as a separate option. Between the two, most patients find a workable way to pay.
How quickly can I get approved and start treatment?
Often the same day. Sunbit and Cherry are built for quick decisions right at the office, so in many cases you can apply and, if approved, begin treatment without a separate trip. We’ll have your estimate ready so the financing step is the only thing left.
What if I don’t qualify for financing?
You still have options. If financing doesn’t work out, our membership plan can lower the cost of routine care, and we can often phase your treatment so you pay for it in stages. We’ll work with you to find a realistic path rather than leaving you stuck. |
