Financing Options
Invest in Your Smile with Confidence
Quality dental care is an investment in your health, confidence, and overall well-being. At Irmo Dentistry, Dr. Jameson Davis and our team understand that dental treatments can represent a significant expense, which is why we’ve partnered with leading healthcare financing companies to offer flexible, affordable payment solutions. Our financing options allow you to receive the dental care you need immediately while spreading the cost over manageable monthly payments that fit comfortably within your budget.
We serve patients throughout Irmo and surrounding South Carolina communities who want to prioritize their oral health without compromising their financial stability. Our experienced financial coordinators work with you to explore all available financing options, explain terms and benefits clearly, and help you choose the solution that best meets your individual needs and circumstances. With approved financing, you can begin treatment immediately and enjoy the benefits of excellent oral health while making affordable payments over time.
Our Primary Financing Partner
About CareCredit
CareCredit is the leading healthcare financing company, trusted by millions of patients and healthcare providers nationwide. This specialized credit card is designed exclusively for healthcare expenses, offering promotional financing options that make dental treatment more affordable than traditional credit cards.
Promotional Interest-Free Plans
- 6 months same as cash for purchases of $200 or more
- 12 months interest-free for purchases of $500 or more
- 18 months no interest for purchases of $1,000 or more
- 24 months promotional financing for purchases of $1,500 or more
Extended Payment Options
- 36-60 month terms with competitive fixed interest rates
- Reduced APR periods for qualifying credit profiles
- No prepayment penalties, allowing early payoff to save on interest
- Minimum payment flexibility with options to pay more when possible
Application Benefits
- Instant approval decisions for most applications
- Same-day treatment with approved financing
- No application fees or annual membership costs
- Reusable credit line for future healthcare needs
Additional Healthcare Financing Solutions
Lending Club Patient Solutions
Specialized healthcare loans offering:
- Fixed monthly payments for predictable budgeting
- Loan amounts from $1,000 to $40,000
- Terms from 24 to 84 months based on loan amount
- Competitive interest rates starting as low as 6.99% APR
- No prepayment penalties or hidden fees
- Direct payment to the provider for immediate treatment
Alphaeon Credit
Healthcare-specific financing featuring:
- Promotional periods with deferred interest options
- No interest if paid in full during the promotional period
- Flexible payment terms from 6 to 84 months
- Multiple plan options for different treatment costs
- Easy online account management and payment processing
- Automatic payment discounts for enrolled customers
Prosper Healthcare Lending
Personal loans for medical expenses:
- Fast approval process with quick funding
- Fixed interest rates with no rate changes
- Loan terms from 2 to 5 years
- No collateral required for unsecured loans
- Simple online application with instant decisions
- Funds deposited directly to your bank account
Simple Steps to Approval
Process
Step 1
Treatment Consultation
Dr. Davis provides comprehensive examination and treatment recommendations with detailed cost estimates. Our team explains all available financing options and helps you determine the best approach for your situation and budget.
Step 2
Financing Application
Complete applications in our office or online from home. Most applications take 5-10 minutes and require basic personal and financial information. Our staff can assist with applications to ensure accuracy and completeness.
Step 3
Instant Approval Decision
Most financing applications provide instant approval decisions. If additional information is needed, our financing partners typically respond within 24 hours with approval status and available terms.
Step 4
Treatment Scheduling
With approved financing, schedule treatment immediately. Our team coordinates with financing companies to ensure seamless payment processing and treatment delivery.
Step 5
Account Management
Access online account management tools to track payments, adjust payment dates, and manage your healthcare financing account conveniently from home.
Financing Eligibility Guidelines
Basic Requirements
- Age 18 or older with valid government-issued identification
- Verifiable income from employment, retirement, or other sources
- U.S. residence with a permanent address for credit verification
- Social Security number for credit check and identity verification
Credit Considerations
- Fair to excellent credit typically qualifies for the best rates and terms
- Limited credit history may qualify for higher interest rates
- Alternative options available for various credit profiles
- Co-signer possibilities for improved approval odds when needed
Income Verification
- Steady employment or a consistent income source
- Debt-to-income ratios are considered in approval decisions
- Bank account information for payment processing setup
- Alternative income sources, including retirement and disability
Understanding Your Financing Agreement
Interest Rates and Terms
- Promotional periods with 0% interest when paid as agreed
- Standard APR rates apply after promotional periods expire
- Fixed vs. variable rates depending on the financing company and terms
- Early payment benefits, including interest savings and payoff options
Payment Requirements
- Minimum monthly payments based on balance and terms
- Payment due datesare typically the same date each month
- Late payment fees and policies for missed payments
- Automatic payment discounts are available with most financing partners
Important Considerations
- Promotional balance requirements must be paid in full during the promotional period
- Deferred interest charges apply if promotional balances aren’t paid on time
- Account maintenance responsibilitie,s including payment scheduling
- Credit reporting impact on credit scores and future financing ability
Estimate Your Monthly Payments
Sample Payment Scenarios
$1,500 Treatment Cost:
- 12 months at 0% APR: $125/month
- 24 months at 9.99% APR: $69/month
- 36 months at 12.99% APR: $53/month
$3,000 Treatment Cost:
- 18 months at 0% APR: $167/month
- 36 months at 9.99% APR: $97/month
- 60 months at 14.99% APR: $71/month
$5,000 Treatment Cost:
- 24 months at 0% APR: $208/month
- 48 months at 12.99% APR: $135/month
- 60 months at 16.99% APR: $123/month
Payment examples are estimates. Actual rates and terms depend on creditworthiness and financing company approval.
FAQS
How quickly can I get approved for financing?
Most healthcare financing applications provide instant approval decisions during your appointment. CareCredit and other partners use automated systems that can approve qualified applicants within minutes. If additional verification is needed, decisions typically come within 24 hours.
What if I have less-than-perfect credit?
We work with multiple financing companies that consider various credit profiles. While better credit typically qualifies for lower rates, options are available for fair and limited credit histories. We can explore co-signer options or alternative financing solutions if traditional healthcare financing isn’t available.
Are there any fees for healthcare financing?
Most healthcare financing companies don’t charge application fees or annual fees. Interest charges apply based on your approved terms, but promotional periods often offer 0% interest if balances are paid as agreed. Late payment fees may apply for missed payments.
Can I pay off financing early?
Yes, all our financing partners allow early payoff without prepayment penalties. Paying during promotional periods can save significant interest charges. Early payment also frees up credit for future healthcare needs and can positively impact your credit score.
What happens if I can't make a payment?
Contact your financing company immediately if you anticipate payment difficulties. Many companies offer payment deferrals or modified payment plans for temporary hardships. Our office can also help coordinate with financing companies to address payment concerns.
Can I use financing for cosmetic procedures?
Yes, healthcare financing can be used for cosmetic dental procedures, including teeth whitening, veneers, and smile makeovers. Since cosmetic treatments typically aren’t covered by insurance, financing makes these procedures accessible through affordable monthly payments.
