At Smile Center of Orlando, we understand that dental care can be a significant investment — particularly for treatments like dental implants, orthodontics, or full-mouth restorations. That is why we work with several trusted third-party financing partners and offer multiple payment options so you can move forward with your treatment plan without waiting.

Whether you are budgeting for a single crown, planning implant surgery, or simply need a way to spread the cost of preventive care, our team can walk you through every option available. Financing conversations at our Winter Park office are handled by Loni or Angelica — either can help you understand which option fits your situation before your treatment begins.

Below is a complete overview of the dental financing solutions available at Smile Center of Orlando.

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Third-Party Dental Financing: CareCredit, LendingClub, and Sunbit

Smile Center of Orlando accepts three of the most widely used dental financing options in the United States. Each partner is a legitimate consumer lender designed specifically for healthcare and dental treatment costs.

CareCredit

CareCredit is the most common healthcare credit card in the country and is used at more than 250,000 healthcare practices. It works like a credit line dedicated to medical, dental, and vision expenses. Longer-term financing plans are often available for larger treatment costs, and same-day decisions are common. Applications can be completed online before your visit or in the office with our team.

LendingClub Patient Solutions

LendingClub offers personal installment loans for medical and dental treatment. Loan amounts, terms, and interest rates depend on your credit profile. LendingClub is often the strongest option for larger treatment plans like All-on-4 implants, full-mouth restoration, or extensive cosmetic work where the total cost exceeds typical credit card limits.

Sunbit

Sunbit is a modern point-of-sale financing option (sometimes described as “buy now, pay later” for healthcare). Applications take less than a minute and do not affect your credit score. Sunbit is well suited for smaller treatment balances and patients who want a fast decision at the time of service. Our team can run a Sunbit application for you in the office.

Ask for Loni or Angelica during your visit or call ahead to talk through which financing partner is the best match for your treatment plan.

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HSA and FSA Payments Accepted at Smile Center of Orlando

Both Health Savings Account (HSA) and Flexible Spending Account (FSA) payments are accepted for eligible dental services. These pre-tax accounts are one of the most cost-effective ways to pay for dental care because the funds have already been set aside from pre-tax income.

HSA and FSA cards can typically be used for exams, cleanings, restorative treatment (fillings, crowns, bridges), extractions, orthodontics, and periodontal care. Purely cosmetic procedures (like whitening) are generally not eligible. Bring your HSA or FSA card to your appointment or provide the account details to our front-desk team.

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15% Discount for Paid-in-Full at Time of Service

Patients who pay their full treatment balance at the time of service by cash or check receive a 15% discount off the total. This is a straightforward way to reduce your out-of-pocket cost if you are able to pay upfront.

Important details on the paid-in-full discount:

• The discount applies at the time of service — not after the fact
• Cash or check payments qualify (credit card payments do not receive the discount)
• The discount cannot be combined with third-party financing (CareCredit, LendingClub, or Sunbit)
• The discount cannot be combined with the VIP membership 15% member benefit

For patients with the resources to pay upfront, this is often the single lowest cost option available. Ask our team to calculate the paid-in-full total before your treatment begins.

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Financing Options for Dental Implants in Orlando

Dental implants are one of the most common treatments patients ask about financing for. A single implant, an All-on-4 case, or full-mouth restoration can all be financed through the same partners listed above, and our team can build a financing plan that fits your budget.

For most implant treatment plans, CareCredit or LendingClub are the strongest financing options because the total treatment cost typically exceeds Sunbit’s smaller-balance limits. Longer promotional terms are sometimes available through CareCredit for larger cases — Loni or Angelica can walk you through what is offered at the time of your consultation.

Free consultations are available for dental implants and Invisalign at Smile Center of Orlando. During your consultation, our clinical team will review your case, provide a treatment plan, and then walk you through the financing options that fit your total cost. Call (407) 678-8848 to schedule your free implant consultation.

Learn more about our full implant treatment options on our Dental Implants page.

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The Smile Center VIP Membership Plan

For patients without dental insurance, our in-house VIP Membership Plan is often the most cost-effective way to receive preventive dental care throughout the year, and it can be combined with third-party financing for larger treatment plans (with some exclusions).

VIP Plan — $29 per month or $449 per year. Includes two exams, two cleanings, one set of routine X-rays, two fluoride treatments, and one emergency visit per year. Approximate annual savings: $568.

VIP Perio Plan — $60 per month or $820 per year. Designed for patients with periodontal maintenance needs. Includes two exams, four perio maintenance cleanings, one set of routine X-rays, four fluoride treatments, and one emergency visit per year. Approximate annual savings: $861.

Members also receive 15% off other treatment (excluding orthodontics and implants). The membership 15% discount cannot be combined with third-party financing.

Read the full membership plan details on our VIP Membership Plan page.

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How to Apply for Dental Financing at Smile Center of Orlando

The process for setting up financing at our Winter Park office is straightforward and can typically be completed the same day as your consultation.

1. Schedule your consultation. Call (407) 678-8848 to schedule an appointment. Consultations for dental implants and Invisalign are free.
2. Review your treatment plan. Our clinical team will review your case and provide a treatment plan with total cost.
3. Talk to Loni or Angelica. Our financing coordinators will walk you through the three financing partners and help you identify which one is the best match for your case, budget, and credit profile.
4. Complete the application. Applications can be submitted online or in the office. Sunbit decisions are typically same-day. CareCredit and LendingClub decisions are often same-day but may take longer for larger loan amounts.
5. Begin treatment. Once financing is approved, we can schedule your treatment.

Bring a government-issued photo ID and basic income information to your financing conversation. If you are considering pairing financing with the VIP membership plan, mention that when you schedule so our team can prepare the numbers for both scenarios.

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Frequently Asked Questions About Dental Financing at Smile Center of Orlando

Does Smile Center of Orlando accept CareCredit?

Yes. CareCredit is one of three third-party financing partners we work with at Smile Center of Orlando. Applications can be completed online before your visit or in the office with Loni or Angelica.

How does dental financing work at Smile Center of Orlando?

Our team reviews your treatment plan and total cost with you, then walks you through the three financing options available — CareCredit, LendingClub, or Sunbit — to identify the best match for your case and budget. Applications are submitted directly to the financing partner, and once approved, treatment can be scheduled.

Can I get 0% APR dental financing?

Promotional 0% APR financing terms are sometimes offered by CareCredit and other partners for qualifying patients. Available promotions change over time and depend on credit approval. Ask our team about current offers at the time of your consultation.

What is the difference between CareCredit, LendingClub, and Sunbit?

CareCredit is a healthcare credit card typically used for ongoing treatment or larger cases with longer-term promotional financing. LendingClub is a personal installment loan best suited for larger single treatment plans. Sunbit is a fast-approval point-of-sale option for smaller treatment balances, with no credit-score impact from applying.

Can I use my HSA or FSA for dental care?

Yes. Smile Center of Orlando accepts both HSA and FSA cards for eligible dental services. Preventive care, restorative treatment, extractions, orthodontics, and periodontal care generally qualify. Purely cosmetic procedures typically do not.

Do you offer payment plans without a credit check?

Sunbit applications do not affect your credit score to apply. The VIP membership plan is available without a credit check. Third-party financing through CareCredit or LendingClub does involve a credit review as part of the approval process.

How do I pay for dental implants in Orlando?

Most implant patients at Smile Center of Orlando use a combination of CareCredit or LendingClub financing to spread the treatment cost over time. Free implant consultations are available. Call (407) 678-8848 to schedule.

What if I do not qualify for third-party financing?

If you do not qualify for CareCredit, LendingClub, or Sunbit, our team will discuss other options — including the paid-in-full 15% discount, the VIP membership plan for ongoing preventive care, HSA or FSA payments, or a phased treatment approach that spreads cost across multiple visits.

Is there a specific person to ask for at the office about financing?

Yes. Loni or Angelica handle financing conversations at Smile Center of Orlando. When you call or arrive for your consultation, ask for either one and they can walk you through every available option.

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