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Dental implant financing can be one of the most practical and effective tools available in dentistry today. It makes it possible to invest in the long-term health and function of your smile without letting cost stand in the way. But while the idea is simple, the details often feel anything but. With so many plans, terms, and options to sort through, it can be hard to see which path leads to real value. The truth is that financing itself is not the obstacle. It is a benefit that simply needs the right perspective and a little guidance. At Carolina Dental Arts, we can help you make sense of your options, so you can move from uncertainty to confidence and use dental implant financing to your advantage.
Understanding the Cost of Dental Implants
Dental implants represent one of the most significant advancements in modern dentistry. We place these small titanium posts into the jawbone to serve as artificial roots. Once in place, they support a crown, bridge, or denture. Once positioned, the surrounding bone undergoes a biological process known as osseointegration, which creates a stable and functional connection between the bone and the implant.
Osseointegration is what gives a dental implant its strength and reliability. The implant becomes a permanent part of your jaw, capable of withstanding the forces of chewing without shifting or loosening. At the same time, the implant stimulates the jawbone, preventing the gradual deterioration that often follows tooth loss. This preservation of bone volume is critical for maintaining both oral health and facial structure over time.
Why the Cost of Implants Varies
Although dental implants offer consistent benefits, the path to achieving them is not identical for every patient. Tooth loss presents differently in each individual, and the treatment must be tailored accordingly.
Several factors influence the overall cost, starting with the type of implant. Some patients need a single implant with a crown, while others require multiple implants to secure a bridge or a full denture. The extent of tooth loss determines the number of implants and the complexity of the restoration.
Preparatory procedures also affect the plan. A severely decayed or damaged tooth may need to be extracted before the site can be prepared for an implant. In cases where the jawbone has lost density due to long-term tooth loss or periodontal disease, bone grafting may be necessary to rebuild adequate support. Healthy gum tissue is equally important, which is why any active gum disease must be treated before placement to ensure proper healing and long-term success.
When you visit us for your consultation, we perform a thorough examination of your oral health and use advanced imaging to evaluate your bone structure and gum condition. We discuss your goals and explain your options, so you understand the recommended treatment and how we determine costs.
How Dental Implant Financing Works
At Carolina Dental Arts, we partner with Sunbit, Proceed Finance, and CareCredit to make dental implant treatment more accessible without the burden of paying everything upfront.
Dental financing is straightforward: it divides the total cost of your treatment into predictable monthly payments. Rather than putting off care until you’ve saved enough, financing allows you to start your treatment now while spreading the cost over time.
After we prepare your dental implant treatment plan and provide a cost estimate, you can apply for financing either at our office or online. The application process is remarkably fast, usually just a few minutes, and is designed to be as stress-free as possible. Many programs, such as Sunbit, even use a soft credit check, so your credit score remains unaffected when you apply. Approval rates are high, and most patients receive a decision almost instantly.
Choosing a Plan and Getting Started
Once approved, you’ll review several payment plan options. These plans can range from as short as six months to as long as 72 months. The timeline typically depends on the amount and the financing company. Each plan clearly outlines the monthly payment, interest rate, and any applicable fees. They allow you to make an informed choice that fits comfortably within your budget.
With your plan selected, treatment can begin immediately. The financing company pays the dental office directly, eliminating the need for you to handle the payment up front. From that point forward, you simply make your monthly payments directly to Sunbit, Proceed Finance, or CareCredit, depending on the plan you chose.
In-House Financing That Works With You
We also offer in-house financing, providing an additional flexible option to afford dental implant treatment without involving outside lenders. With this option, you work directly with us to arrange a structured payment plan that fits your budget and timeline.
Essentially, we act as the lender. You don’t need to apply with a bank, credit card company, or third-party provider. Together, we agree on a payment schedule, usually monthly installments. This schedule helps you cover the cost of your treatment in a way that feels manageable and affordable. Because we set the terms ourselves, we can tailor the plan to your financial situation and even adjust for unique circumstances.
Our in-house financing is simple and accessible. There’s no traditional credit check to worry about, making it a great option if you’ve faced challenges qualifying for external financing. You make your payments directly to us, and the entire process stays between you and our team.
Choosing in-house financing means you get a personalized plan, clear communication, and the confidence that your care remains a priority.
Explore Your Dental Implant Financing Options Today
Financing is not a roadblock; it is a powerful tool that, with the right guidance, turns uncertainty into confidence. At Carolina Dental Arts, we help you navigate your dental implant financing options so you can move forward with clarity and peace of mind. With trusted partners, flexible plans, and even in-house solutions, we make it possible to invest in your health without unnecessary stress.
Book your free consultation today and let us show you how accessible dental implants can be.
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