Reed Dental Care Financing Options
Quality dental care should never be out of reach because of the cost.
Flexible Dental Financing in Yukon, OK
Dental procedures can come with costs that feel difficult to plan for, especially when treatment is unexpected or when insurance only covers a portion of what you need. At Reed Dental Care, we want every patient in the Yukon area to be able to move forward with the care they need without putting it off for financial reasons. That is why we offer financing options through CareCredit and Cherry, giving you the flexibility to break your treatment costs into manageable monthly payments that fit your budget.
Financing Information
Payment options built around your needs
We partner with two trusted financing providers so patients have choices in how they pay. Whether you are covering a portion of a larger procedure that insurance did not fully pay for, or you are a cash-pay patient looking to spread out the cost of treatment over time, both CareCredit and Cherry offer plans designed to make dental care accessible.
Both programs allow you to apply quickly, often with a decision in minutes, and neither requires you to delay your treatment while waiting for approval. Once approved, you can move forward with your care right away.
Here is a general overview of what each program offers:
CareCredit:
- Promotional financing options available on qualifying purchases of $200 or more
- Shorter-term plans of 6, 12, 18, or 24 months with no interest if paid in full within the promotional period
- Longer-term extended financing plans of 24, 36, 48, or 60 months available for larger treatment amounts
- Subject to credit approval; standard APR applies if the promotional balance is not paid in full by the end of the promotional period
- Can also be used toward any remaining balance not covered by insurance
Cherry:
- Flexible payment plans ranging from 4 interest-free payments (Pay-in-4) up to longer monthly installment plans of up to 60 months
- Qualifying 0% APR options available, with interest-bearing long-term plans starting as low as 5.99% APR
- No deferred or retroactive interest
- Soft credit check only to apply, which does not impact your credit score
- Minimum credit score of 520 to qualify; most decisions are instant
We also accept HSA and FSA cards, cash, debit, and all major credit cards for patients who prefer to pay at the time of service.
Process
Getting started with dental financing at Reed Dental Care is a straightforward process. Here is what to expect from the moment you decide to explore your options.
Talk to Our Team
When you call or come in for your visit, simply let a member of our team know that you would like to explore CareCredit or Cherry as a payment option. We can walk you through which program may be a better fit based on your treatment plan and financial situation.
Apply
Both CareCredit and Cherry offer quick digital applications that can be completed in just a few minutes. Cherry uses a soft credit check that will not affect your credit score. CareCredit allows you to check for prequalification online without impacting your score as well. Most applicants receive a decision within minutes.
Choose Your Plan
Once approved, you will be presented with the financing options available to you based on your credit profile and the amount being financed. You can review the monthly payment amount, the length of the plan, and the applicable interest rate before committing to anything.
Start Your Treatment
After selecting your plan, Reed Dental Care receives payment and you begin your treatment without any additional delays. You then make your monthly payments directly to CareCredit or Cherry according to the terms of your plan.
Using Financing Alongside Your Insurance
Financing and insurance can work together
For patients who have dental insurance, financing does not have to be an either/or decision. If your plan covers a portion of your treatment, financing through CareCredit or Cherry can be used to cover your remaining out-of-pocket balance, including co-payments, deductibles, or any services your plan does not cover.
At Reed Dental Care, we file your insurance as a courtesy and will ask for your estimated co-payment at the time of service. If there is a remaining balance after your insurance processes your claim, financing can be a practical way to handle that cost without it becoming an unexpected burden.
For patients without insurance, or for those whose plans do not cover a specific procedure, financing provides a path to getting the care you need on a timeline and at a monthly cost that fits your life. This is especially relevant for larger treatments like dental implants or restorative work, where the total cost is significant but the long-term benefit to your oral health is well worth it.
Frequently Asked Questions
Both CareCredit and Cherry are straightforward programs designed to make dental care more financially accessible. Here are a few common questions patients have about how financing works at our practice.
Will applying for financing affect my credit score?
Cherry uses a soft credit inquiry during the application process, which does not affect your credit score. CareCredit also allows you to check for prequalification online without impacting your score. If you proceed with a plan, a hard inquiry may be conducted at that stage, which can have a minimal and temporary effect.
What happens if I do not pay off my CareCredit balance before the promotional period ends?
If the promotional balance on a CareCredit plan is not paid in full by the end of the promotional period, interest will be charged on the original purchase amount from the original purchase date at the standard APR. This is sometimes called deferred interest. Cherry, by contrast, does not use deferred or retroactive interest, so you are only charged interest on your remaining balance going forward.
Can I use financing even if I have dental insurance?
Yes. Financing through CareCredit or Cherry can be applied to any out-of-pocket costs not covered by your insurance plan, including co-payments, deductibles, and procedures that fall outside your coverage. It is a practical way to manage costs that remain after your benefits have been applied.
We can't wait to see you!
Office Hours:
Monday-Wednesday 8 a.m. to 1 p.m. and 2 p.m. to 5 p.m.
Thursday 8 a.m. to 3 p.m.