Flexible Payment Options
Your dream smile shouldn't
Your dream smile shouldn't
wait on your budget.
We've partnered with three leading healthcare lenders and built our own in-house membership plan — so every patient leaves with a clear, affordable path forward, regardless of insurance.
0% APR on approved credit
No hard inquiries
Prequalification tools
HSA & FSA accepted
Smile Care Plan from $35/mo
Our Financing Partners
Care that fits your budget.
We partner with the four most trusted names in healthcare financing so every patient — from a single crown to a full smile reconstruction — has a pathway that fits.
CareCredit
- Prequalification — does not affect your credit score
- Flexible monthly payment plans
- 0% APR promotional periods on qualifying purchases
- Reusable credit line for future dental or health care
- Instant decision — apply online or at our front desk
LendingClub
- Prequalification — does not affect your credit score
- Extended plans start in the low APR rates
- No prepayment penalty
- No down payment required
- 0% interest options available
Alphaeon Credit
- Purchases from $250 to $25,000
- Prequalification — does not affect your credit score
- Flexible monthly payment plans
- No down payment required
- 0% interest options available
Cherry
- Prequalification — does not affect your credit score
- Flexible monthly payment plans
- Up to $35,000
- Interest-bearing plans with APRs as low as 5.99%
- 0% interest options available
Not sure which is right?
Call us. We'll walk you through your treatment plan and match you to the lender that saves you the most — no application required upfront.
The Smile Care Plan
Better than insurance.
Three tiers for families, self-employed professionals, and seniors. Transparent pricing. Benefits start the same day — no forms, no approvals, no waiting.
| What you get | Insurance | No plan | Our plan |
|---|---|---|---|
| Monthly cost | $35–$60/mo | Full price | From $35/mo |
| Waiting period | 6–12 months | — | Zero wait |
| Annual cap | $1,500 limit | Bills grow | No cap |
| Deductible | Yes | Skip care | None |
| Claim denials | Common | Miss checkups | No claims |
| Your dental team | Network limits | Avoid dentist | Always available |
Every competitor nearby offers unpublished plans. We publish every tier and every price — upfront.
Essential
Healthy adults & preventive care
$35/mo
- 2 cleanings per year
- 2 exams per year
- Bite-wing X-rays
- Emergency exam included
- 20% off all services
Most Popular
Complete
Families & active treatment
$55/mo
- 2 cleanings per year
- 2 exams + X-rays
- Fluoride treatment
- 1 whitening per year
- Emergency exam included
- 25% off all services
Family of 4 saves $800–$1,400+/yr vs. cash price
Best Value
Premier
Seniors & perio patients
$75/mo
- 3–4 cleanings / perio maintenance
- X-rays + panoramic
- Fluoride + oral cancer screening
- 1 whitening per year
- Priority scheduling
- 25% off + perio coverage
Ready to join? Benefits start the same day.
1
Ask at the front deskNo forms, no approvals. Under 5 minutes.
2
Choose your tierEssential, Complete, or Premier — same individual rate.
3
Activate immediatelyDiscounts and included services are live the moment you enroll.
4
Schedule your cleaningStart using your plan benefits today.
No contracts · Cancel anytime · No insurance required · Each member enrolls individually · Not combinable with insurance
Membership application
Download the Smile Care Membership Application and either email the completed form to [email protected] or bring a printed copy at your next visit.
Questions & Answers
Financing FAQ.
Cherry and LendingClub both use a soft credit check to show your rate — no impact to your score until you formally accept. Alphaeon and CareCredit perform a hard inquiry only upon final application submission. We recommend checking with each lender directly for the most current terms.
Yes — all three financing partners cover cosmetic and elective dental treatments including veneers, Invisalign, teeth whitening, implants, and smile makeovers. If we perform it, you can finance it.
Our Membership Plan is always available as a fallback — and for many patients it's the better deal anyway. We also offer in-office payment arrangements for select situations. No patient leaves without a path forward.
Absolutely. Many patients use insurance to cover preventive care and finance the remaining cosmetic or restorative portion. We'll estimate your out-of-pocket costs first, then help you finance just the balance — minimizing your monthly payment significantly.
Our Membership Plan is designed for patients without dental insurance. If you have active coverage, we'll use your insurance first. The plan is fully combinable with our third-party financing options for any remaining treatment balance.
Yes. We accept HSA and FSA cards as payment. Most dental procedures qualify as eligible expenses. Verify with your plan administrator for a complete list of covered services.
Ready When You Are
Your best smile is more
Your best smile is more
affordable than you think.
Come in for a free consultation. We'll walk through your full treatment plan and every financing option side by side — so you leave knowing exactly what's possible.
28632 Roadside Dr #270, Agoura Hills, CA 91301 · Mon–Thu 8am–5pm · Fri 8am–3pm