FINANCING OPTIONS - Wall Township, NJ
You Can Afford Superior Dental Care
Don’t Let Finances Come Between You and Your Health
For us, dentistry is more than a job. It’s a calling. We see first-hand every day how great dental care can change lives, helping people restore their medical and psychological health. We want everyone to have access to high-quality, affordable dental healthcare.
However, we understand that finances can be a major barrier to affordable dentistry for many patients. That’s why we work with numerous dental insurance providers as well as third-party dental financing companies. We will help you get the most out of your dental insurance benefits and find a payment plan that works for you.
Dr. Israeli is proud to offer an in-house lab which allows us to drastically cut the cost of any treatment we offer. Our unique approach to full mouth implants costs a fraction of other options to put dental implant financing within reach for our patients. Affordable dentistry is something we don’t just talk about, but practice, too.
Options for Fully Funded Financing
- Up to $75k
- Fixed APR from 5.5% and up
- Terms from 24 months to 144 months (12y)
- Ability to refinance within loan
- First payment 30 days
- NO pre-payment penalty
- Allows Alternative Borrowers
- Up to $35k
- 0% for 6, 12, or 18 months “deferred interest”
OR
- Fixed APR 5.99% and up
- Terms from 24 months up to 84 months (7y)
- No hard credit check; Never hits your credit
- First payment 30 days
- NO pre-payment penalty
- Allows Alternative Borrowers
- Up to $15k (CC) / $45k (Synchrony Pay Monthly)
- 0% for 6 or 12 months “deferred interest” (Care Credit) or "waived interest" (Synchrony Pay Monthly)
OR
- Fixed APR
- Terms from 24 months up to 60 months (Care Credit) or up to 84 months fixed (Synchrony Pay Monthly)
- First payment 30 days
- NO pre-payment penalty
- Allow Alternative Borrowers
- Up to $25k
- Fixed term up to 60 months (5y)
- Fixed APR from 2.9% and up
OR
- 0% for 3, 6, 12, 18, 24, or 36 months*
- First payment 60 days
- NO prepayment penalty
- Allows Alternative Borrowers
- *Additional 6% fee applies with any 0% option.
- Up to $20k
- Terms from 3 months to 24months
- Fixed APR, and 0% credit dependant
- No limit for household (multiple people can apply and take out credit)
- High approval rating
- No hard credit check; Never hits your credit
- First payment 30 days
- NO pre-payment penalty
- Allows Alternative Borrowers
- Up to $35k
- 0% for 6, 12 or 18 months “deferred interest”
OR
- Fixed APR 9.99% and up
- Terms from 24 months up to 60 months (5y)
- No hard credit check; Never hits your credit
- First payment 30 days
- NO pre-payment penalty
- Allows Alternative Borrowers
- Up to $35k (0%) or $65k (fixed APR)
- 0% for 6 or 12 months “deferred interest”
OR
- Fixed APR from 3.99% to 30.99%
- Terms from 24 months up to 60 months (5y)
- First payment 30 days
- NO pre-payment penalty
- Allows Alternate Borrowers
- Up to $15k
- 0% for 6, 12, or 18 months “deferred interest”
OR
- Fixed APR 14.99%
- Terms from 24 months up to 60 months (5y)
- First payment 30 days
- NO pre-payment penalty
- Allows Alternate Borrowers
- Up to $25k
- Personal unsecured loans paid directly to the patient via varying lenders
- Fixed APR, credit dependant
- Funding within 5-7days
- First payment 30 days
- NO pre-payment penalty
- Allows Alternate Borrowers
HFD OPTION:
- Guaranteed $5k regardless of credit score
- Funding up to $20k
- Up to $10k
- Will fund small amounts to lower credit scores
- Deposit required (down payment)
- Fixed APR from 0% to 35.99%
- Terms from 6 months up to 72 months (6y)
- No hard credit check; Never hits your credit
- First payment due at time of signing
- NO pre-payment penalty
- Allows Alternate Borrowers
- Up to $15k
- Loan terms 6 months - 36 months
- 12 months 0% interest
- No deferred interest
- Fixed rates 11.99 - 25.99
- Credit Scores 640+
- NO pre-payment penalty, allows borrowers other than the patient
- Multiple loans per family allowed
- Soft inquiry, no documentation (paystubs, etc) required.
- $6k downpayment deposit to initiate
- Up to $20k loan
- No credit checks
- No or low credit ok
- Drivers license, bank account and debit card required
- Terms from 6 m - 48 m
- 0% interest
- $35 application fee
- Up to $55k
- Fixed APR 8.99% for 144 months (12y)
OR
- Fixed APR 14.99% and up for 120 months (10y)
- Very selective approvals
- Extremely competitive rates
- All-digital, no paper
- Monthly for 8.99% / 12y is 1.17% of total $
- First payment 30 days
- NO pre-payment penalty
- Allows “co-signers”
Other Payment Methods:
- Cash
- Check
- Credit Card
Cost & Financing
Frequently asked questions
How much do dental implants cost?
The cost varies based on individual needs and treatment. We can provide further pricing and finance options during your consultation, as it is dependent on your specific treatment.
Does dental insurance cover implants?
Most dental insurance plans do not cover full implants,
Do you offer financing or payment plans?
Yes! We offer financing through twelve different financing companies. We do not do in-house payment plans. Although the financing companies are credit dependent, we have many creative financing options that may work for you. There is no prepayment penalty with any of the companies we utilize, so you can pay as much as you want per month without penalty, and get rid of the loan as quickly as you like. They all allow borrowers other than the patient themselves, to piggy back off of good credit, and some of our financing partners do not ever do a hard hit on your credit, which may appeal to some patients that don’t want their credit score affected. We are happy to discuss this with you in detail at your consultation.
Can I use my HSA or FSA for dental implants?
Yes, dental implants are often eligible for Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). They work just like credit cards, where you charge a portion of your treatment to your HSA/FSA account.
Do I have to pay for the entire procedure upfront?
Yes, we do take payment in full upon starting any dental implant treatment. For full arch treatments, that is done at the first appointment called “Scans & Photos.” For single implant patients, it is done at the time of scheduling. For those patients who want to pay monthly, and split up their payments, we offer financing options with 12 different companies. We have plans that have a low monthly payment, plans that are 0% for up to 18 months, and plans that are soft even after initiating the loan.
What happens if I can’t afford implants?
We do have multiple creative financing options and alternative solutions to fit your budget.