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Dental Implant Financing in San Diego.
0% APR financing through CareCredit, Sunbit, and Cherry — most patients qualify and begin treatment immediately.
Most Patients Qualify
- Instant Approval
3
90
%
60
sec
60
mo
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 three of the most trusted dental financing providers to make treatment accessible regardless of your financial situation.
Whether you’re considering a single implant at $3,500 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.
We work with CareCredit for traditional 0% APR plans, Sunbit for soft-credit-check approval with a 90% acceptance rate, and Cherry for extended-term healthcare financing up to 60 months. Most patients qualify for at least one option — often all three.
Pre-approval takes less than 60 seconds and has no impact on your credit score. Once approved, you can begin treatment immediately.
Don't Let Cost Delay Your New Smile.
- Plans up to 60 months
- No impact to credit to check
- 0% APR for qualified patients
- Approval in under 60 seconds
Three Trusted Partners.
Each partner serves a different patient profile — most patients qualify with at least one. Our team helps you choose the option that fits best.
CC
CareCredit
- 0% APR plans up to 24 months
- Largest dental financing network
- Reusable for future dental needs
- Online application takes 60 seconds
- Instant decision in most cases
0%
APR Available
24mo
0% APR Term
SB
Sunbit
- Soft credit check — no score impact
- 90% approval rate
- Decision in 30 seconds
- Great for patients building credit
- No-penalty pre-qualification
90%
Approval Rate
30s
Decision Time
Ch
Cherry
- Plans up to 60 months
- Healthcare-specific underwriting
- Considers more than credit score
- Lower monthly payments
- Designed for medical financing
60%
Max Term
$0
Down Payment
What Your Monthly Payment Could Look Like.
Real estimates based on 0% APR financing for qualified patients across our four most common treatments.
$
125
/mo
Replace 1 Tooth
$
215
/mo
Replace 3+ Teeth
$
399
/mo
Full Upper or Lower
$
729
/mo
Complete Restoration
How It Works
Get Approved in 4 Simple Steps
From eligibility check to treatment start — most patients complete the process in under an hour.
01
Schedule Consultation
Book a free 3D consultation with Dr. Winfield. We confirm your treatment plan and total cost.
02
Choose Your Plan
Our team walks you through CareCredit, Sunbit, and Cherry — and recommends the best fit.
03
Apply Online
Quick online application with no impact to credit. Get an instant decision in under 60 seconds
04
Begin Treatment
Once approved, you can begin treatment immediately — no waiting, no delays, no hassle.
Stack Insurance, HSA & Financing.
Most patients use a combination of insurance, HSA/FSA funds, and financing to maximize affordability. We help verify your benefits and stack every available source of payment.
Dental insurance often covers a portion of implant treatment — typically the crown, abutment, or related procedures. HSA and FSA funds can cover the rest tax-free. Whatever’s left over can be financed at 0% APR.
Our team verifies your insurance benefits before treatment and works with you to maximize every dollar of coverage. Your final out-of-pocket may be much less than you think.
Sample Cost Breakdown
Financed Balance
Common Questions
Financing FAQs
Everything you need to know about paying for dental implant treatment.
What financing options are available for dental implants?
Will checking eligibility hurt my credit score?
What credit score do I need to qualify?
Can I combine insurance with financing?
How long are the financing plans?
Do you offer financing for patients with bad credit?
Continue Exploring
Related Resources.
01 / COST
Cost of Dental Implants
Complete 2026 pricing for every implant treatment we offer.
02 / SERVICE
All-on-X Dental Implants
Full arch permanent teeth in 24 hours — our flagship procedure.
03 / OVERVIEW
Dental Implants Overview
Compare all implant options across our complete service range.
04 / SERVICE
Teeth in a Day
Same-day immediate-load implants — including financing options.