PATIENTS

Dental Financing Options in Monroe, CT

Making Dental Treatment Fit Your Budget

Looking for dental financing in Monroe, CT? Quality dental care is an investment, and Monroe Smiles works with financing companies that let you spread the cost of treatment over time. This page explains the payment and financing options available through our office so you can plan with confidence.

Ways to Pay at Monroe Smiles

Monroe Smiles accepts cash, checks and most major credit cards for payment at the time of service. If you’d rather divide the cost of treatment into smaller monthly payments, you can apply online with one of our financing partners.

Ways to pay:

How Dental Financing Works

Applying for dental financing is simple. Here is how it works:

1
Choose a financing partner
Review the options below. Apply links for CareCredit and Cherry are available on this page.
2
Apply online
You apply directly with the lender, and many applicants receive a decision right away.
3
Review your terms
Your lender sets the monthly payment, interest rate and terms. Read them carefully before you accept.
4
Schedule your treatment
Once you’re approved, our team will help you plan your treatment and your visits.

Financing is provided by independent third-party lenders. Approval, interest rates and terms are determined by the lender, not by Monroe Smiles.

Which Payment Option Is Right for You?

You have dental insurance
We are in network with Cigna, Delta Dental and United Healthcare. See our dental insurance page, and ask our team how financing may work alongside your benefits.
You don’t have insurance
Financing lets you spread the cost over time. Our in-house membership plan is another option, but it is a discount plan, not insurance, and it can’t be combined with dental insurance or financing programs such as CareCredit.
You prefer to pay at your visit
We accept cash, checks and most major credit cards at the time of service.

How Your Options Compare

  Dental insurance In-house membership Financing
What it is Coverage through your insurance carrier A discount plan offered by Monroe Smiles, not insurance Monthly payments through an independent lender
Who sets the terms Your insurance carrier Monroe Smiles The lender
Where it applies We are in network with Cigna, Delta Dental and United Healthcare Honored only at Monroe Smiles Apply links for CareCredit and Cherry are on this page
Using it with other options Ask our team how it may work with financing Can’t be combined with dental insurance or financing programs such as CareCredit Ask our team how it may work with your benefits

Apply With a Financing Partner

Use the Apply buttons below to begin your application.

Dental Financing FAQs

Does Monroe Smiles offer dental financing?

Yes. We work with third-party financing companies, including CareCredit and Cherry, so you can apply online and spread the cost of treatment into monthly payments.

How do I apply for dental financing?

Use the Apply buttons on this page to begin your application with the lender. If you have questions along the way, our treatment coordinators are happy to help.

Will I find out right away if I’m approved?

Many applicants receive a decision quickly, but approval and timing are determined by the lender.

Who sets the interest rate and payment terms?

The lender does. Monroe Smiles does not set lender terms, so please review them carefully before you accept.

What other ways can I pay?

We accept cash, checks and most major credit cards at the time of service.

Can I use financing if I have dental insurance?

Ask our team how your dental benefits and a financing plan may work together for your treatment. We’re happy to walk you through your options, and you can see the plans we accept on our dental insurance page.

Is your membership plan a financing option?

No. Our in-house membership plan is a discount plan, not insurance or financing, and it can’t be combined with dental insurance or financing programs such as CareCredit.

What if I’m not approved for financing?

Please contact our office. We can talk through other ways to manage the cost of your care, such as our membership plan or paying at the time of service.