Treatment Financing Options
Snellville Family Dental is excited to offer our patients two different financing options for the treatment they need. CareCredit and Lending Club offer financing plans with no interest and low monthly payments. Because these two programs are different, patients can apply to both and see all plans available to them and choose the one that best fits their needs.
Please contact us to learn more about Care Credit and Lending Club and how it can help you pay for your dental needs.
CareCredit
CareCredit is a healthcare credit card that helps you pay for treatments and procedures for you or your family that may not be covered by insurance. With special financing options you can use your CareCredit card again and again for your dental needs, as well as at 186,000 other healthcare providers, such as optometrists and veterinarians.
It’s free and easy to apply and you’ll receive a decision immediately. If you’re approved, you can schedule your procedures even before you receive your card. With more than 21 million accounts opened since CareCredit began nearly 30 years ago, they are the trusted source for healthcare credit cards.
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$1-$200 TREATMENT
0% interest for 23 days
6-12 MONTHS
Minimum $200 treatment
24-60 MONTH
Minimum $2,000 treatment
Fixed APR of 14-16%
Lending Club
Similar to CareCredit, Lending Club is a healthcare credit account that allows you to apply for a line of credit to be applied towards treatment. With Lending Club, there is no card to worry about keeping up with, instead Lending Club will take care of payment for you.
The Lending Club application is free and easy, with absolutely no effect on your credit score. Serving more than just your dental needs, Lending Club applies credit to many other specialties, such as fertility and hair restoration. Once approved, you can schedule your treatment immediately and be on your way to a happier, healthier smile.
6 or 12 month 0%
Minimum $499 treatment
24 – 84 months
Minimum $2,000 treatment
Fixed APR rate starting at 3.99%
24-60 months
Minimum $1,000 treatment
APR of 17.90%
CareCredit
Pros
- Great for low-cost treatment
- Treat like a credit card – use anywhere that accepts payment
- Low minimum treatment cost
- Offers zero interest and low interest payment plans
- Mobile app to make payments easier
- Approved credit can be used towards any medical treatments
Cons
- Application will pull your credit
- Shorter loan payment periods
- One missed payments results in defaulting on the loan with 26.99% interest
- Missed payments result in retroactive interest
Lending Club
Pros
- Does not affect credit when applying – soft credit check
- Offers zero interest and low interest payment plans
- Longer periods of zero and low interest payment plans
- Missed payments will not default loan – must miss 3 consecutive payments before defaulting
- Interest will be applied only to future payments at the end of the payment period
Cons
- Higher minimum cost of treatment for loan
- $27 flat fee for missed payments
- Treatment must be performed within 30 days of the loan
*refer to Lending Club and CareCredit sites for full details (see links below)
| PROS | CONS | |
|---|---|---|
| CARECREDIT |
|
|
| LENDING CLUB |
|
|
When should I use CareCredit?
If you have relatively low-cost treatment and don’t need much time to pay back the loan.
When should I use Lending Club?
If you have higher value treatment and need more time to pay the loan in full.
Ackylla
Call or Text Our Front Office
Candice
Ready for a consultation? Call us (770) 800-7545
More than 190 5-Star Reviews on Intuit Local Businesses
Meet Our Dental Staff
Dr. Eaton
Dentist, DDS
Dr. Miller
Dentist, DMD
Ashley
Hygienist, RDH
Candice
Patient Coordinator
Jennifer
Dental Assistant, RDA
Michelle
Dental Assistant, RDA
Rosy
Dental Assistant, RDA
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