Patient Financing
Get the care you need. Pay for it at a pace that works for you.
Through Sunbit, most patients at Callahan Dental can spread the cost of treatment into monthly payments — with a fast approval process that won’t affect your credit score to check. It works alongside your insurance, not instead of it.
Financing at a Glance
- Credit check: Soft check only
- Typical decision time: Under 2 minutes
- Payment terms: Up to 72 months
- Hidden fees: None
- Where to apply: Call our office to learn more
Approval and terms depend on individual creditworthiness. Ask our front desk for your specific options.
How Financing Works at Our Office
There’s no separate account to set up ahead of time and nothing to fill out at home. It happens right at your visit, once your treatment plan is ready.
- We build your plan — Your dentist recommends treatment and our team gives you the full cost up front — no surprises.
- You apply in minutes — Fill out a short application on your phone or at the front desk. It only takes a soft look at your credit, so checking your options won’t affect your score.
- You choose your plan — If you’re approved, you pick the payment term that fits your budget — from a few months to several years.
- We move forward with care — Your treatment is covered at checkout, and you pay it down over time — on your own schedule.
Why Patients Use It
Financing exists so that cost isn’t the reason a needed treatment gets put off.
- High approval rate — Most patients who apply are approved, including many who’ve been turned down by other financing before. Your credit history doesn’t have to be perfect.
- No hard credit pull — Checking whether you qualify uses a soft inquiry only. It won’t lower your credit score, whether or not you move forward.
- A no-interest option — Every approved patient can choose a plan that carries no interest, as long as the balance is paid off within the promotional window in the offer.
- No retroactive interest — If you miss the no-interest window, you’re never charged interest back to day one. Your payments continue on the original terms — nothing changes suddenly.
- No fee to pay early — Pay off your balance ahead of schedule whenever you’re able to, with no prepayment penalty.
- Works with insurance — Financing covers what your insurance doesn’t — your deductible, your portion after benefits, or treatment that isn’t covered at all.
Where Financing Helps Most
Any treatment we provide can be financed — from a single crown to a full care plan. A few situations where patients use it most often:
| Situation | How financing helps |
|---|---|
| Dental implants or a full smile plan | Spreads a larger investment into payments you can plan around |
| Crowns, bridges, or restorative work | Especially useful once you’ve reached your insurance’s annual maximum |
| Sleep apnea appliances and treatment | Keeps a health-critical treatment moving forward without delay |
| Invisalign or orthodontic treatment | Payment terms that stretch alongside the length of treatment |
| Unexpected or emergency treatment | A decision the same day, so care doesn’t wait on finding the funds first |
Common Questions
Will checking my options hurt my credit score?
No. Seeing what you qualify for uses a soft credit check, which has no effect on your credit score. A hard inquiry only happens in specific cases and would be disclosed before it occurs.
What credit score do I need?
There’s no strict minimum you need to guess at. Approval considers your overall financial picture, not just one number, which is why patients with limited or imperfect credit are often still approved.
How long do I have to pay it back?
Terms are flexible and can run anywhere from several months to several years, depending on the plan you’re offered and the amount financed. You choose the term that fits your monthly budget.
Is there really no interest?
Every approved patient is offered a plan that can become interest-free, as long as the full balance is paid off within the promotional period stated in your offer. If you don’t pay it off in time, you simply continue on the plan’s regular terms — you’re never charged interest retroactively back to the start.
Can I use this along with my dental insurance?
Yes. Insurance and financing work together. Your plan pays what it covers, and financing covers the remainder — your deductible, co-pay, or anything outside your annual maximum.
What if my treatment plan changes?
Talk to our front desk. Financing amounts are tied to the treatment plan approved at the time of application, so any changes to your care plan are handled directly with our team.
How do I apply?
Ask any member of our front desk team at your next visit, or call us ahead of time at (301) 948-1212. The application takes just a few minutes and you’ll have a decision right away.
Ready to Talk About Your Treatment Plan?
Our front desk team can walk you through your specific financing options at your next visit — no obligation, no pressure.
