Affordable dental financing & insurance made simple
Smile easier with care that fits your life and budget—with flexible payment options that make getting started simple.
99% of patients approved for financing
Smile now, pay later. In 3 easy steps, you can apply through 3rd-party lenders, get approved and start your treatment that same day.
Enjoy $0 down at Aspen Dental
No interest if paid in full within 18 months1
On qualifying purchases of $200 or more with your CareCredit credit card. Minimum monthly payments required.
1No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. For New Accounts as of 5/30/2024: Purchase APR 32.99%. Penalty APR 39.99%. Min Interest Charge $2. CareCredit Rewards Mastercard: Cash APR 32.99% and 4% Fee ($10 min). Bal Trans APR 32.99% and 5% Fee ($5 min). Foreign Trans Fee 3%. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
AFF
Get the dental care you need today with flexible, no-credit-needed financing options from American First Finance (AFF), a third-party financing2 provider. Available at select locations.
HFD
With unmatched approval rates and budget-friendly options, HFD gives patients a better way to pay for dental care with third-party financing2 solutions. Available at select locations.
Fortiva Retail Credit
A credit alternative for patients who may not qualify for traditional lending. Fortiva, a third-party financing partner2, provides second-look financing. Available at select locations.
Proceed Finance
Bridge the gap between care and affordability with Proceed Finance, a third-party financing2 expert specializing in easy-to-understand terms, low rates, and fast delivery.
2Not all third-party financing options are available to all patients.
Dental payment partner
Discover more everyday payment options from trusted partners—designed to make care more accessible and easier to afford.
Afterpay
Spread out the cost of your dental care with AfterPay’s buy now, pay later service—allowing you to pay in four interest-free installments through our payment partner.
Dental insurance
Discover the dental insurance options3 that work seamlessly with Aspen Dental. Please note, we do not accept Medicaid.
3Not all practices accept insurance. Please contact your local office for specific details about insurance coverage.
Aspen Dental Savings Plan⁴
No insurance? No worries.
Get the dental care savings you need for a price you’ll love. Sign up today for only $49 per year.
4The Aspen Dental Savings Plan is NOT insurance. Please see plan terms and conditions for details.
Our Patient Financing Promise
We strive for your total satisfaction—including with financing. That’s why our Patient Financing Promise allows you to cancel your financing within five days of accepting your offer. You’ll still be responsible for any treatment costs already incurred. Get started today at your local office.
Dental insurance and financing FAQs
How long does dental financing approval take?
Most patients get approved in minutes—and can start treatment the same day. Your care team will walk you through the process at your visit.
What is the Aspen Dental Savings Plan, and how does it compare to insurance?
The Aspen Dental Savings Plan4 offers instant savings on care—with no deductibles, claims or waiting periods. It’s a no-insurance alternative to insurance for only $49 per year.
⁴The Aspen Dental Savings Plan is NOT insurance. Please see plan terms and conditions for details.
Do dental financing plans cover emergency care?
Yes. Financing can help you get emergency dental care without delay—so you can get the care you need when you need it most.
Will applying for dental financing affect my credit score?
You can explore financing options with a soft credit check—so there’s no impact to your score. Your care team can then guide you through next steps if you decide dental financing is right for you.
What payment options does Aspen Dental accept?
Aspen Dental works with most insurance plans (Medicaid not accepted) and accepts cash, major credit cards, FSA/HSA cards and checks with valid ID. Many locations also offer third-party payment options like CareCredit and Afterpay—giving you flexible ways to manage dental costs.
Why might Aspen Dental’s price be lower than my insurance co-pay?
Aspen Dental offers transparent pricing and provides services through our own onsite labs—so your out-of-pocket cost may be lower than your insurance co-pay, even after benefits apply.