A new smile shouldn’t have to wait until you’ve saved up the full cost of treatment. Dental
implants are a lifetime investment — and we’ve partnered with seven of the most trusted dental financing providers to make treatment accessible regardless of your financial situation.
Whether you’re considering a single implant starting at $5,000 or full-mouth All-on-X reconstruction at $44,000+, our financing partners offer plans designed to fit your budget. Most patients begin treatment with manageable monthly payments — without depleting savings or putting their oral health on hold.
Pre-approval with most of our partners takes about 60 seconds, uses a soft credit check with no impact on your credit score, and once approved, you can begin treatment immediately. Most
patients qualify for at least one option — often several.
Most Popular
APR Available
0% APR Term
Approval Rate
Decision Time
Max Term
Down Payment
Real estimates based on 0% APR financing for qualified patients across our four most common treatments.
Treatment Cost
From $3,500
Treatment Cost
From $24,000
Not sure which fits? You don’t have to figure it out alone. Our treatment coordinator matches your budget, credit profile, and treatment plan to the right partner — and can submit pre- approvals to more than one at the same time.
We work with seven lenders so that virtually every credit profile and budget has a path to treatment:
All financing is subject to credit approval and lender terms. Promotional rates, terms, and approval criteria are set by each lender and may change; we’ll confirm current offers at your consultation.
Quick online application with no impact to credit. Get an instant decision in under 60 seconds
Because the implant acts like a natural root, it does something no denture or bridge can: it stimulates the jawbone, preventing the bone loss and facial collapse that typically follow tooth loss.
A dental implant replaces a missing tooth from the root up, with three engineered components:
Get your exact number first Your consultation includes 3D CBCT imaging and a written, all-inclusive quote — no surprise lab fees or hidden costs, so you’re financing a real number, not an estimate.
Pre-qualify in about 60 seconds Most of our partners use a soft credit check that doesn’t affect your credit score. You’ll see real terms — monthly payment, length, and rate — before committing to anything.
Pick the plan that fits Compare options across partners with our coordinator’s help. Choose the monthly payment that works for your life.
Start treatment immediately Once approved, there’s nothing left to wait for. Many patients complete pre-approval and schedule surgery the same day as their consultation.
Financing isn’t the only path. We also accept:
Cash, checks, and all major credit cards
HSA and FSA funds — a tax advantaged way to pay for eligible implant treatment
In-house payment plans for qualifying treatment
Combination payments — for example, HSA funds for part of the cost with financing on the remainder
A note on insurance: we don’t bill insurance companies directly, but we provide all dental codes and documentation after your visit so you can submit claims for any reimbursement your plan allows. Many patients pair partial reimbursement with a financing plan to reduce their monthly payment further.
Every WINPLANTS treatment plan is led by Dr. Jonathan M. Winfield, DDS, FACP, a Board-Certified Prosthodontist and Diplomate of the American Board of Prosthodontics, and planned through our complete digital workflow — CBCT imaging, digital smile design, guided surgery, and in-house 3D printing. That precision is why our quotes hold: what you’re approved for is what your treatment costs.
Current 2026 starting points:
See our Cost & Financing page for the complete 2026 pricing breakdown.
Pre-qualification with most of our partners uses a soft credit check, which does not affect your
credit score. A hard inquiry typically occurs only if you accept a plan and finalize the loan,
depending on the lender.
You still have options. Sunbit is designed to approve the vast majority of applicants, and Denefits offers payment plans that don’t rely on traditional credit approval at all. This is exactly why we partner with seven lenders instead of one.
Yes. Partners like Proceed Finance specialize in larger treatment amounts with extended terms, keeping monthly payments manageable even for comprehensive full-mouth cases.
Several partners offer promotional no-interest plans — typically requiring the balance to be paid in full within the promotional period, on approved credit. Our coordinator will show you the exact current terms so there are no surprises.Several partners offer promotional no-interest plans — typically requiring the balance to be paid in full within the promotional period, on approved credit. Our coordinator will show you the exact current terms so there are no surprises.
Most of our partners allow early payoff; several have no prepayment penalty. Terms vary by lender, and we’ll confirm before you sign anything.
Immediately. Approval is often instant, and many patients schedule — or even begin — treatment the same day as their consultation.
Find out your exact treatment cost and your real monthly payment — often in a single visit. 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
Board-Certified Prosthodontist · Transparent All-Inclusive Pricing · 7 Financing Partners · Soft-Check Pre-Approval · HSA/FSA Accepted
"*" indicates required fields
