HomeDental ImplantsFull ArchAll-on-4All-on-6Implant CostBone GraftingEndodonticsEmergency DentalPatient ResourcesFairfax VAVienna VAReston VATysons VABurke VAChantilly VABenefitsProcessTestimonialsFAQContactCall (703) 272-4389
Home/Resources/Financing Guide
Financing Guide · 6 min read

Dental Implant Financing Explained

Worried about the cost of dental implants? This guide breaks down every financing option available — including in-house payment plans arranged directly through our office — so you can get the smile you deserve without financial stress.

Our philosophy: Cost should never be the reason someone lives with missing teeth. We offer multiple financing paths — including our own in-house payment plans — and we work personally with every patient to find an arrangement that makes treatment possible. Your free consultation includes a complete, written cost estimate so you know exactly what to expect.

Your Financing Options

We accept all of the following — and they can often be combined to minimize your out-of-pocket cost.

CareCredit
Healthcare Credit Card

Key Benefits

  • 0% promotional financing for 6, 12, 18, or 24 months
  • Apply online in minutes — instant approval decisions
  • Accepted at thousands of dental offices nationwide
  • Flexible minimum monthly payments
  • Can be used for multiple procedures over time

Things to Know

  • Deferred interest applies if balance not paid in full by end of promotional period
  • Standard APR applies after promotional period ends
  • Requires credit approval
Best For:

Patients with good credit who can pay off the balance within the promotional period

Sunbit
Flexible Monthly Payments

Key Benefits

  • High approval rates — including patients with less-than-perfect credit
  • No hard credit check to apply
  • Flexible repayment terms
  • Quick, simple application process
  • Transparent monthly payment amounts

Things to Know

  • Interest rates vary based on creditworthiness
  • Monthly payments required throughout the term
  • Terms and rates vary by applicant
Best For:

Patients who want predictable monthly payments or have had credit challenges

In-House Financing
Arranged Directly Through Our Office

Key Benefits

  • No third-party lender — arranged personally with our team
  • Flexible terms tailored to your specific situation
  • No application fees or hard credit inquiries
  • We work with you directly to find a plan that fits your life
  • Available for patients who may not qualify for traditional financing

Things to Know

  • Available on a case-by-case basis
  • Down payment may be required
  • Terms discussed during your consultation
Best For:

Patients who prefer working directly with our office or need a customized arrangement

Dental Insurance
Maximize Your Benefits

Key Benefits

  • We verify your benefits before treatment — no surprises
  • Many plans cover extractions, bone grafts, and the crown
  • We handle all insurance paperwork and billing
  • Can be combined with financing for remaining balance
  • Annual maximum benefits reset each year — timing matters

Things to Know

  • The implant post itself is less commonly covered
  • Annual maximums typically range from $1,000–$2,000
  • Pre-authorization may be required for some procedures
Best For:

All patients — we always verify and maximize your insurance benefits first

How to Minimize Your Out-of-Pocket Cost

Most patients use a combination of these strategies to make implants affordable.

01
Step 01

Verify Your Insurance First

We verify your dental benefits before your consultation. Many plans cover extractions, bone grafts, and the crown — often $1,000–$2,000 in coverage.

02
Step 02

Time It Around Your Annual Maximum

If your annual maximum resets in January, scheduling procedures across two calendar years can effectively double your insurance coverage.

03
Step 03

Use 0% Financing for the Balance

After insurance, finance the remaining balance on CareCredit's 0% promotional period. Pay it off before the period ends and you pay zero interest.

04
Step 04

Ask About In-House Plans

If traditional financing isn't the right fit, ask us about our in-house payment arrangements. We work directly with patients to find solutions.

Financing Questions Answered

Does dental insurance cover dental implants in Virginia?

Most dental insurance plans provide partial coverage. Common covered components include tooth extraction (60–80%), bone grafting (50–80%), and the implant crown (50%). The implant post itself is less commonly covered, though some plans do contribute. We verify your specific benefits before treatment and provide a detailed breakdown.

What is CareCredit and how does it work for dental implants?

CareCredit is a healthcare credit card that offers promotional financing periods (typically 6–24 months) with 0% interest if the balance is paid in full before the period ends. It's one of the most popular ways to finance dental implants. You apply online and receive an instant decision.

What if I have bad credit — can I still finance dental implants?

Yes. Sunbit has high approval rates even for patients with less-than-perfect credit and does not require a hard credit check to apply. Additionally, our in-house payment plans are available for patients who may not qualify for traditional financing.

Do you offer in-house payment plans?

Yes. We offer our own in-house financing arranged directly through our office — no third-party lender required. We work personally with you to create a payment arrangement that fits your budget. Ask about this option at your free consultation.

How do I know the total cost before committing?

At your free consultation, we perform a 3D CT scan evaluation and provide a complete, written cost estimate covering every aspect of your treatment — implants, any preparatory procedures, the crown, and all fees. You know exactly what you're committing to before any treatment begins.

Back to All Resources
Recovery Guide →Patient Stories →

Start Your Transformation

Get Your Free All-on-4 Consultation

Take the first step toward your new smile. Our All-on-4 specialists will review your case, answer all your questions, and create a personalized treatment plan. No pressure. No obligation.

What to Expect at Your Consultation:

📷Free 3D CBCT scan & X-rays
👨‍⚕️One-on-one time with Dr. Matri
📝Personalized All-on-4 treatment plan
💰Transparent pricing & financing options
Same-day consultations available
No pressure, no obligation

Request Free Consultation

Fill out the form below and we'll contact you within 24 hours.

🔒 Your information is 100% private and secure. We never share your data.

Privacy PolicyCookie PolicyAccessibilityDo Not Sell My Personal Information
🦷 Ready for your All-on-4 transformation?Free Consultation(703) 272-4389