Patient Financing

Sunbit is a buy-now-pay-later financing platform that enables dental patients to spread treatment costs over time through flexible payment plans. Practices receive full payment immediately at checkout while patients repay Sunbit directly over 3-72 months with no setup or origination fees. The platform offers high approval rates (87-90%) with no hard credit checks required.

Wisetack is a financial technology company that provides consumer financing solutions enabling dental practices to offer patients monthly payment options for treatment costs. The platform allows patients to apply for financing in under one minute via text or email, with approval rates from 0% to 35.9% APR and terms ranging from 3 to 24 months for treatment amounts between $500 and $15,000. Practices receive payment within 1-3 business days and pay only per-transaction fees with no setup costs, subscriptions, or hidden charges.

Alphaeon Credit provides third-party patient financing for dental practices, enabling flexible payment plans for procedures. The platform features soft credit inquiries, same-day approvals, and seamless practice management system integration to increase case acceptance and access to care.

PatientFi is a technology platform that enables elective healthcare providers, including dental practices, to offer point-of-sale financing solutions to patients. Patients can access affordable monthly payment plans for treatment, while practices receive upfront funding at the time of service. PatientFi partners with banks and credit unions to facilitate financing for procedures ranging from $200 to $60,000.

Happen Bank provides patient financing solutions for dental treatments of all types, including general, cosmetic, restorative, orthodontic, and oral surgery. Patients can borrow from $500 to $65,000 with flexible terms (6 to 144 months) and receive funding approval quickly. Providers receive direct payment within 1-3 business days, allowing patients to begin treatment immediately while managing affordable monthly payments.

Proceed Finance offers third-party patient financing for dental treatments, enabling patients to access life-changing care through affordable, flexible payment plans. The platform provides loan terms up to 12 years, with instant pre-qualification that doesn't affect credit scores, and works with dental providers to fund large case treatments up to $75,000.

CareCredit is a specialized financing credit card offered by Synchrony that enables patients to pay for health and wellness services over time. Patients can apply online and receive instant credit decisions. Providers accept CareCredit payments and are paid within two business days. The card offers no-interest promotional periods for qualifying purchases of $200 or more, as well as longer-term financing options with fixed monthly payments.

Cherry is a financial technology platform that enables dental practices to offer third-party patient financing options. Patients can access installment payment plans ranging from $35 to $65,000 with terms of 1 to 60 months and APR options from 0% to 35.99%. Practices receive full payment within 2-3 business days and can save up to 50% on merchant processing fees while increasing case acceptance rates.

OrthoFi provides software and financial solutions for orthodontic and dental practices to increase treatment case acceptance and manage patient payments. The platform combines treatment presentation tools with a multi-lender financing network and insurance revenue cycle management to help practices grow production while reducing administrative burden.