What is CareCredit?
CareCredit is a credit card for health and wellness costs, issued by Synchrony Bank. It works only at enrolled providers, and dental care is one of its main uses.
Once you have the card, it isn’t tied to a single procedure. You can use it again here for later treatment, and at other enrolled providers such as eye doctors, hearing centers and veterinarians. Cardholders can also use it to pay for care for family members.
It is separate from your dental insurance. Insurance pays its share first, and CareCredit can cover what is left.
How do the 0% promotional rates work?
On approved credit, CareCredit offers promotional financing, and Stone Falls Dental Care accepts it. The most common kind is deferred interest: no interest is charged if you pay off the promotional balance in full within the promotional period.
Read that condition carefully. If any of the promotional balance is still unpaid when the period ends, interest is charged on the whole amount from the original purchase date. Minimum monthly payments are required throughout, and paying only the minimum may not clear the balance in time.
For larger amounts, CareCredit also offers longer plans with a reduced fixed rate and set monthly payments. Promotions, periods and minimum purchase amounts change, so check the current terms at carecredit.com before you choose.
What dental treatment can CareCredit pay for?
It can pay for nearly any treatment we provide, from a checkup to a full restoration. Patients often use it for care that insurance covers only in part, such as crowns, dentures, implant-supported restorations, Invisalign and cosmetic work like veneers or KöR whitening.
It also helps when care can’t wait for a better month. A cracked tooth or an infection is easier to treat promptly, and financing means the cost doesn’t have to decide the timing.
How do I apply?
You apply with CareCredit directly, online at carecredit.com or with our help at the front desk. The application asks for basic personal and income details, and a decision usually comes back within minutes.
If you’re approved, you can schedule treatment right away, without waiting for the card to arrive. CareCredit also offers a prequalification check that it says won’t affect your credit score, which is a gentle way to see where you stand before a full application.
For our other ways to pay, including DocPay arrangements and the insurance plans we accept, see financial options.