CareCredit is a healthcare credit card from Synchrony Bank that’s designed specifically to help patients pay for medical, dental, vision, and other healthcare expenses over time. Unlike a general credit card, it’s built around healthcare costs and is accepted at hundreds of thousands of providers nationwide. Many dental practices accept it because it gives patients a way to move forward with treatment without paying the full cost upfront.

No. CareCredit’s prequalification process uses a soft credit pull, which does not affect your credit score. You’ll get a quick answer about whether financing is likely available to you, and you can decide from there whether to complete a full application. Only a full application generates a hard credit pull.

Virtually all of them. Patients commonly use CareCredit for cosmetic dentistry like veneers and Zoom whitening, restorative work like crowns and dental implants, orthodontics like Invisalign, oral surgery like wisdom teeth removal, and even routine checkups and cleanings. It’s flexible enough to cover any out-of-pocket dental expense.

You don’t have to, but most patients find it easier to handle the application beforehand so they can focus on treatment when they arrive. You can prequalify online at any time, even from your phone right in our office. The process takes just a few minutes.

Approval is determined by CareCredit and Synchrony Bank, not by our office, and there’s no penalty if you’re not approved. If financing through CareCredit doesn’t work out, give us a call and we’ll talk through whatever other options might be available so you can still get the care you need.

You make monthly payments directly to CareCredit, not to our office. Payments can be made online at carecredit.com, through the CareCredit mobile app, by mail, or by phone. CareCredit handles all billing and customer service for your account.