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Care Credit

Care Credit

About the Company

  • Founded in 1987 by Ralph Stern, who owned a company that made dental implants
  • CareCredit credit card is accepted at more than 200,000 enrolled provider and health-focused retail locations and is used by more than 11 million + cardholders
  • Provides healthcare financing services in the United States 
  • Headquartered in Costa Mesa, California

We are a dentist that takes Care Credit and we serve MA cities like Arlington, Belmont, Cambridge, Lexington, Medford, Somerville, Watertown and Winchester.

CareCredit dental financing is a healthcare credit card than enables you to pay for your dental treatments / procedures and allows you to make convenient monthly payments. CareCredit, the leader inpatient financing, has helped more than 3 million patients nationwide get the treatment and care they need. For fees from $1 to $25,000, upon request and approval, CareCredit offers a comprehensive range of plans with low minimum monthly payments that fit comfortable into every budget.

With CareCredit® You Can:

  • Start treatment and care immediately and pay over time with low minimum monthly payments
  • Pay for other medical expenses for you and your family without having to reapply*
  • Pay for co-payments, deductibles, and treatment and care not covered by insurance
  • Reserve existing credit cards for household or unplanned expenses
  • Have no annual fees

CareCredit® Offers Two Types of Plans:
No Interest Payment Plans
Pay for treatment and care over 3, 6, or 12 Months with No Interest
As long as you pay the minimum monthly payment each month when due and the balance in full by the end of 3, 6, or 12 Months, no interest will by charged on your purchase.
Available for treatment and care fees of $300 or more.

Low Interest Payment Plans
Enjoy low minimum monthly payments with the 24, 36, 48, or 60 month plans.
The 14.9% annual percentage rate is lower than average credit cards and makes convenient, fixed monthly payments possible.
Available for treatment and care fees of $1000 or more
CareCredit’s No Interest and Low Interest Payment Plans can be used repeatedly for yourself and your entire family. There is no need to reapply.

Applying for CareCredit is quick and easy. Simply choose the option you prefer.
Online Application
- Go to
- Fill out the patient application
- Receive a decision immediately
- Contact our practice to schedule treatment or care

Automated Phone Application
- Call (800) 365-8295 and follow the prompts
- Receive an immediate decision
- Contact our practice to schedule treatment or care

Here are most commonly asked questions regarding Care Credit?

Is CareCredit a dental insurance policy?
No. CareCredit is a healthcare credit card and it does not replace dental insurance policies that you might have. It is intended to help you pay for out-of-pocket expenses that are not covered by your dental plan.

I'm not sure I want another credit card. Why do I want CareCredit?
CareCredit helps you pay for out-of-pocket healthcare expenses for you, your family, and even your pets! Once you are approved, you can use it again and again* to help you manage your dental costs not covered by insurance.

What will my monthly payments be?
Use the online payment calculator to estimate your monthly payments. Remember, making only minimum monthly payments may not pay off your balance by the end of the promotional period.

What information do I need to apply online?
To apply, you must first provide the name of your doctor or information on how you're planning on using your CareCredit healthcare credit card.  The information you will need to provide is: Your name, Your address, Your date of birth, Your Social Security Number.  Rest assured, your security and privacy is secured.

What Treatments Can CareCredit be Used for?
You can use CareCredit to pay for any dental treatment including necessary procedures like root canals or cosmetic procedures like whitening, veneers, dental implants and more!

Can CareCredit be Used for Cosmetic Dentistry?
Yes, you can use CareCredit anywhere it is accepted for all different types of elective and cosmetic dentistry.

Can I pay for multiple procedures at one time with my CareCredit healthcare credit card?
Yes, when you use your card, you will be billed for those services you choose to pay for with CareCredit.

Can CareCredit be Used After Insurance is Maxed Out or Doesn’t Cover Your Dental Treatment?
Yes, you can use CareCredit to pay for all out-of-pocket costs from elective procedures such as teeth whitening to acute needs such as a root canal. CareCredit can also be used for deductibles and co-payments.

I thought I should only use my CareCredit healthcare credit card for major dental expenses, but it looks like I can pay for 6 month check-ups as well. Why is that?
You can use your CareCredit healthcare credit card for all of your dentistry related expenses including regular check-ups. After all, a preventative approach to your oral health can help you avoid problems down the road.

Can I use my CareCredit account to cover the up-front cost?
Yes, CareCredit allows you to finance dental procedures like the cost of ceramic fillings and pay for them with monthly payments.

Smile confidently today with CareCredit dental treatment financing options. Ready to get started?
Apply now

Helpful Links
Payment Calculator CareCredit FAQ’s Apply now