Do you check credit for payment plans?

Not for shorter in-house plans — 0% plans of up to 6 months on treatment over $500 require no credit check at all. Longer in-house terms and third-party financing use a soft credit check that does not affect your credit score, with an instant decision.

What happens if I miss a payment?

You get a phone call from a human, not a collections letter. Life happens. We'll adjust the schedule and keep your plan at 0% interest. We just ask that you talk to us instead of going quiet.

Home → Payment Plans & Financing good dentistry, sane payments

Payment plans & dental financing that start with a written quote

Q: Can I combine insurance with a payment plan?

Yes, and most patients with larger treatment plans do. We verify your benefits for free, apply insurance first, and set up the payment plan only on your remaining portion, so you're never financing money your insurance was going to pay anyway.

Q: Is there a discount for paying up front?

Yes — pay in full up front on treatment over $1,000 and take 5% off. It's a simple courtesy, never a pressure tactic, and the written quote shows both numbers so you can decide calmly.

Every treatment here gets an exact price in writing before it's scheduled. Then you pick the payment path that fits — per visit, 0% monthly, or financing from $99/month. Nobody gets a surprise bill.

📆0% in-house plans3–12 months, interest-free 💵Financing from $99/moinstant decision, soft check

Step one, always: the price in writing

Before anything is scheduled — before we even talk about payment. You get a written quote with the exact price of every recommended treatment. Not an estimate range, not "we'll bill you after." The number on that paper is the number you pay. It also happens to be a smaller number than you'll find at most offices, because our fees are set on purpose about 20% below the typical Salem office. If you want to see how our prices compare line by line, our Salem dental cost guide publishes them.

Once you have the quote, you pick a path. There are five.

Five ways to pay

🪙Pay as you go, per visitSpreading treatment across visits? Pay for each visit as it happens. No account, no paperwork, no balance following you around.

📆0% in-house payment plansAny treatment over $500 can be split into 3–12 monthly payments, interest-free, set up right at the front desk. Shorter terms need no credit check at all.

💳Third-party financing from $99/monthFor larger cases — dentures, implants, full-mouth work — CareCredit and Sunbit offer longer terms. A soft credit check (no score impact) and an instant decision from your phone.

😊Smile Membership from $29/monthNo insurance? Our in-house membership covers cleanings, exams and X-rays, plus 15% off treatment. Families join from $79/month.

🏦HSA & FSA cards, swiped like any cardExams, fillings, crowns, dentures and extractions are all eligible expenses — tax-free dollars for real dentistry. Our HSA/FSA guide shows the math.

A worked example: say your quote is a $900 crown and a $150 filling — $1,050 total. You could pay per visit ($150 now, $900 at the crown appointment), split the whole thing into six interest-free payments of $175, or pay up front and take 5% off since it's over $1,000. Same dentistry, three sane ways to pay for it, and the quote shows all three numbers.

What we don't do

Surprise bills. The written quote is the bill. If something unexpected turns up mid-treatment, we stop and talk before a single dollar changes.
Prepayment pressure. Nobody here will push you to pay for a year of treatment up front "to lock in the price." The price is locked the moment it's in writing.
The checkout ambush. You'll never learn about a financing application for the first time while you're standing at the desk with a numb mouth. Payment options are discussed with the quote — calmly, before you commit to anything.

Why so strict about it? Because surprise billing is the main reason people stop going to the dentist, and skipped visits become the expensive kind of dentistry. Clear money talk is preventive care.

Insurance and payment plans work together

Have PPO coverage or OHP? We verify your benefits for free before your visit, apply insurance first, and set up a plan only on whatever remains. Details on our insurance & pricing page, and OHP members can start with the OHP page, since many treatments are covered outright.

Payment questions we hear a lot

Do you check credit? +

Not for shorter in-house plans — 0% plans up to 6 months need no credit check. Longer terms and third-party financing use a soft check that doesn't affect your score, with an instant decision.

What if I miss a payment? +

You get a phone call from a human, not a collections letter. We'll adjust the schedule and keep the plan at 0%. Just talk to us instead of going quiet.

Can I combine insurance with a payment plan? +

Yes — most patients with bigger treatment plans do. Insurance pays first, and the plan covers only your remaining share, so you never finance money your insurer was going to pay.

Is there a discount for paying up front? +

Yes: 5% off when you pay in full up front on treatment over $1,000. The quote shows both numbers, and there's zero pressure either way.