Reception area of Radiant Smiles Dental & Implant Center with white marble desk, black paneled walls, leather chairs, and a coffee bar.

Financing

At Radiant Smiles Dental, we believe financial concerns shouldn't stand between you and the care you need. That's why we've created multiple pathways to make treatment accessible—whether you have insurance or not.
Smiling young woman holding a credit card and using a smartphone on a city street.

Payment Options

We accept multiple payment methods to make your visit convenient:

Cash and check
Major credit cards
Third-party financing (for larger treatment plans)

For patients paying at the time of service, we provide detailed treatment estimates before beginning any work. If you're planning complex restorative treatment—like full-arch implants or multiple procedures—ask about financing options that let you spread payments over time with manageable monthly installments.

Financing for Your Peace of Mind

In-House Membership Plans

Perfect for patients without dental insurance. These plans typically include preventive visits and offer discounts on restorative and cosmetic services, making year-round care affordable and predictable.

Learn More →

Third-Party Financing

Flexible monthly payment plans help make larger treatments accessible. Whether you're considering dental implants, full-mouth restoration, or sedation procedures, financing lets you get the care you need now and pay over time.

Transparent Treatment Planning

Remember how we handle consultations differently? You'll meet privately with our office manager to review not just your treatment options, but also a complete breakdown of costs and payment plans. Take all the time you need to go over details, ask questions, and think about your priorities—with no pressure and no rushing.

Financing Options

Third-Party Financing

Sunbit

$15k
Maximum financing
Credit score:
600+
APR:
0% – 35.99% fixed
Terms:
Deposit required
First payment:
Due at signing
No hard credit check, ever

Cherry

$50k
Maximum financing
Credit score:
650+
APR:
16-19% fixed
Terms:
Deferred interest · 12 mo
First payment:
Due in 30 days

Alphaeon

$35k
Maximum financing
Credit score:
610+
APR:
14.99% – 16.99% fixed
Terms:
Deferred interest 6,12,18 months
First payment:
Due in 30 days

HFD

$15k
Maximum financing
Credit score:
Auto approved for 5K if subprime credit score 0-500
APR:
18 - 36%
Terms:
Down payment required
First payment:
Due in 30 days

Lending Club

$65k
Maximum financing
Credit score:
550+
APR:
3.99-30.99%
Terms:
Fixed monthly payments
First payment:
Due in 30 days

PatientFi

$35k
Maximum financing
Credit score:
610+
APR:
5.99% & up fixed
Terms:
Deferred interest · 6/12/18 mo
First payment:
Due in 30 days

Proceed Finance

$65k
Maximum financing
Credit score:
670+
APR:
6.5% & up fixed
Terms:
24 to 144 months
Can refinance within the loan
No pre-payment penalty
First payment:
Due in 30 days

Ready to Experience the Care You Deserve?

Three smiling dental professionals standing indoors, with the man in the center wearing green scrubs labeled Dr. Richard Vazquez Radiant Smiles.