A dental implant is the closest thing to a natural tooth, but paying for it all at once isn’t realistic for many families. Financing spreads the cost into monthly payments. Here’s how it works, including what to do if your credit isn’t great.
How dental implant financing works
Most dental offices work with third-party healthcare lenders (such as CareCredit). You apply, the lender checks your credit, and if approved you pay the lender monthly. Some plans offer promotional periods; if the balance isn’t paid in time, interest may apply — always read the terms.
At Enjoy Dental, financing for a single dental implant starts at $34 per month (crown not included), subject to credit approval.
What if I have bad credit?
Approval isn’t guaranteed, but you still have options:
- Apply with a co-signer. A co-applicant with stronger credit can improve approval odds.
- Split treatment into phases. Placing the implant first and the crown later spreads the cost.
- Ask about a smaller first step. Sometimes an extraction and a temporary replacement come first, while you save for the implant.
- Use your insurance first. Some PPO plans pay part of the crown or extraction even if they don’t cover the implant.
- Compare alternatives. A bridge or a partial denture costs less than an implant. Florida Medicaid covers partial dentures for adults, but not implants.
What’s included in the implant price?
An implant tooth has three parts: the implant (the post placed in the bone), the abutment (the connector) and the crown (the visible tooth). Ask for a written plan that lists each part, any X-rays or 3D scans, and any bone grafting you might need.
Questions to ask before you finance
- What is the total cost, including the crown?
- What is the monthly payment and for how many months?
- Is there a promotional period, and what happens if it ends?
- What happens if I need a bone graft?
Talk to us about your implant
Dr. Boyle and Dr. Garcia will examine the area, take X-rays and give you a written plan with the cost before you decide. Learn more on our dental implants page, call (305) 871-9111, or book a consultation.
Financing is subject to credit approval by the lender. Terms vary.