Great care shouldn't break the bank
We believe finances should never stand between you and the care you need. Flexible financing with instant approval — so you can focus on your smile, not the bill.
Healthcare Finance Direct — recommended
We partner with Healthcare Finance Direct to make dental care accessible — tailored for larger treatment plans like Invisalign, implants, and full restorations. Soft credit check only · 30-second approval · 0% interest plans available · most patients qualify.
Apply now
CareCredit — a credit card for your health
The CareCredit health and wellness credit card gives you a flexible way to pay for care for the whole family. Use it at AP Dental and 285,000+ providers nationwide. Promotional financing on $200+ · prequalify with no credit impact · reusable line of credit.
Prequalify nowChoose your plan
Talk with our team about costs and decide which financing option works for you.
Apply in seconds
Quick application online or in-office. No hard credit check — just a soft inquiry.
Get approved instantly
Receive your decision right away. Most patients are approved within seconds.
Start treatment
Begin care immediately and pay over time with manageable monthly payments.
Our Wellness Plan — better than insurance
Skip the financing altogether with a plan that covers your preventive care upfront — for the price of a single cleaning.
2 cleanings per year · annual exam & X-rays · 20% off all treatments · $249/year per person.
No. Both Healthcare Finance Direct and CareCredit's prequalification use soft credit checks, which do not impact your credit score. You can check your options risk-free.
Yes. Financing can be applied to any AP Dental service — from routine cleanings and fillings to Invisalign, implants, cosmetic injectables, and periodontal treatments.
Yes. Healthcare Finance Direct offers true 0% interest plans for qualified patients, and CareCredit provides promotional interest-free periods on purchases of $200 or more when paid in full within the promotional window.
Most patients receive an instant decision — typically within 30 seconds. You can apply online from home or right at our front desk before your appointment.
No problem. Financing is available regardless of insurance status. We also offer our Wellness Plan ($249/year) which covers preventive care and gives you 20% off all treatments — no insurance needed. We also accept Visa, Mastercard, Discover, American Express, cash, and check.
Ready to get started? Let's talk.
Our team is happy to walk you through your financing options and help you find the right plan. Book an appointment or give us a call.