Every way to pay for your new smile at WINPLANTS Digital 3D Dentistry — seven
lending partners, HSA/FSA, in-house plans, and insurance reimbursement, explained in one place
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This is the complete guide to every financing and payment option we accept at WINPLANTS.
Whether you have excellent credit, challenged credit, or no credit history at all — whether you’re
financing a single $5,000 implant or a full-mouth restoration — there’s a path on this page for
you.
Most options below offer 60-second pre-qualification with a soft credit check that won’t affect your credit score. Our treatment coordinator will help you compare real offers side by side, and
you can apply to more than one lender at once.
For qualifying treatment, WINPLANTS offers payment plans directly through our office — no third-party lender involved. Ask our coordinator whether your treatment plan qualifies.
Dental implant treatment is generally an eligible expense for Health Savings Accounts and Flexible Spending Accounts — meaning you can pay with pre-tax dollars, an effective discount equal to your tax rate. FSA users: remember most FSA funds expire annually, making year-end an ideal time to start treatment.
We accept cash, personal checks, and all major credit cards. Patients paying in full should ask about their options at consultation.
We don’t bill insurance companies directly — but we provide all dental codes, documentation, and receipts after your visit so you can submit claims for whatever reimbursement your plan allows. Many patients combine partial reimbursement with a financing plan to lower their effective monthly payment.
Options stack. A common structure: HSA funds for a portion, insurance reimbursement applied when it arrives, and a financed balance for the remainder. Our coordinator will help you engineer the lowest-cost structure for your situation.
CareCredit is the most widely recognized healthcare credit card in the United States, accepted at WINPLANTS for all implant and restorative treatment. CareCredit offers promotional no- interest financing when the balance is paid in full within the promotional period (on approved credit), plus longer-term reduced-APR plans for larger amounts. Because it works as a revolving credit line, it can also cover future dental care after your implant treatment. Best for patients with established credit who want a familiar, flexible option.
Sunbit is built to say yes. Its technology-driven application takes about 30 seconds, uses a soft
credit check only, and approves the vast majority of applicants — including patients with fair credit who’ve been declined elsewhere. Transparent terms, no late fees on most plans, and no penalty for early payoff make Sunbit one of our most popular options for patients who want fast certainty without a hard credit inquiry.
Cherry specializes in patient-friendly healthcare financing with terms up to 60 months, keeping monthly payments low even on substantial treatment plans. Pre-qualification takes seconds with a soft credit check, approvals are instant, and qualified patients can access no- interest promotional plans. Best for patients who want an extended runway with a simple, modern application experience.
iCreditWorks offers a fully digital, app-based application with a wide menu of plan lengths and
promotional options — from short no-interest plans to extended terms for larger cases. Applying takes minutes from your phone, and approved funds can be used immediately toward treatment. Best for patients who want to compare multiple term options within a single lender.
Proceed Finance is purpose-built for exactly the kind of treatment we specialize in: large cases.
With high maximum approval amounts and some of the longest terms in dental lending, Proceed keeps monthly payments manageable for All-on-X, zygomatic, and full-mouth reconstruction cases in the $40,000–$80,000 range. Best for patients financing comprehensive treatment who want the lowest practical monthly payment.
Denefits exists for patients traditional lenders turn away. Its payment plans don’t rely on credit- based approval, making treatment possible for patients with damaged credit, thin credit files, or past bankruptcies. If you’ve been denied financing before, Denefits is often the yes you’ve been looking for. Best for patients who assume financing wasn’t an option for them.
Alphaeon Credit is a healthcare-specialty credit card offering promotional financing plans through participating providers, with both deferred-interest and fixed-payment options. Like CareCredit, it functions as a reusable credit line for ongoing care. Best for patients with good credit comparing promotional offers — sometimes Alphaeon’s terms beat the better-known alternatives.
Book a consultation — your 3D CBCT scan and written, all- inclusive quote mean you’re financing an exact figure, not an estimate. No surprise lab fees, ever.
Soft-check applications with our partners show you real monthly payments with no impact on your credit score. Apply to several and compare.
Pick the plan that fits your life. Approval is often instant — many patients schedule treatment the same day.
Denefits (no credit-based approval) and Sunbit (soft check, built to approve the vast majority of applicants) have the most accessible approval standards among our partners. Between our seven lenders and in-house plans, nearly every patient finds an option.
Yes. Patients regularly combine HSA/FSA funds, insurance reimbursement, and a financed balance. Our treatment coordinator will structure it with you.
Several partners — including CareCredit, Cherry, iCreditWorks, and Alphaeon Credit — offer promotional no-interest plans, typically requiring payoff within the promotional period on approved credit. We’ll show you exact current terms before you commit.
No — pre-qualification with most of our partners uses a soft credit check with zero impact on your score. A hard inquiry generally occurs only when you finalize a loan, depending on the lender.
Yes. Proceed Finance specializes in large treatment amounts with extended terms, and several other partners approve comprehensive cases. Full-mouth patients routinely finance treatment in the $44,000–$80,000 range with manageable monthly payments.
Don’t assume the answer is still no. Approval standards vary enormously across lenders — a denial from one says little about the other six. Denefits in particular exists for exactly this situation.
Get your exact treatment cost, pre-qualify with multiple lenders, and walk out knowing your real monthly payment — often in a single appointment. Start with a complimentary virtual consultation or book your in-office exam with San Diego’s implant specialist.
WINPLANTS Digital 3D Dentistry — Winfield Dental Group 1111 6th Avenue, Suite 102, San Diego, CA 92101
7 Financing Partners · Soft-Check Pre-Approval · No-Interest Promotional Plans · HSA/FSA Accepted · Transparent All-Inclusive Pricing
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