Artistic Dental Financing Options

Quality dental care should never feel out of reach because of cost concerns.

Flexible Financing at Artistic Dental Makes Achieving Your Best Smile Accessible

For many patients in Jackson Township and throughout Ocean County, cost is one of the most common reasons dental treatment gets delayed. Whether you are considering dental implants, a full mouth reconstruction, cosmetic procedures, or any other treatment your dentist recommends, the investment can feel significant. At Artistic Dental, we believe that financial concerns should never stand between you and the care you deserve. That is why we offer multiple financing options designed to fit a wide range of budgets and situations, so you can say yes to treatment with confidence.

Financing Information

Your Payment Options at Artistic Dental

Artistic Dental offers third-party financing through both CareCredit and Cherry, two of the most trusted names in healthcare financing. These options are available for patients looking to break larger treatment costs into manageable monthly payments. For patients undergoing specialty procedures such as dental implants, All-on-X cases, full mouth reconstruction, or other comprehensive restorative work, we also offer in-house payment arrangements on a case-by-case basis.

We also accept Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA), which are pre-tax benefit accounts that can be used toward qualifying dental expenses. These can be an excellent way to stretch your existing benefits further, particularly at the start of a new plan year. Whether you are using insurance, third-party financing, or paying out of pocket, our team will work with you to identify the approach that makes the most financial sense for your situation.

The following payment and financing options are available at Artistic Dental:

CareCredit: A healthcare credit card with promotional financing options, including no-interest plans for qualifying patients
Cherry: A patient-friendly financing solution with flexible payment plans and a soft credit check that does not impact your credit score
In-house payment arrangements: Available for qualifying specialty cases, coordinated directly through our office
HSA and FSA funds: Accepted as a form of payment for eligible dental expenses
Standard payment methods: We accept cash, checks, Visa, Mastercard, American Express, Discover, and CareCredit

Regardless of which option fits your needs, our team is available to walk you through the details and help you get started before your appointment.

Process

Getting financing in place before your treatment is straightforward, and our team is here to guide you through every step. You do not need to figure this out on your own.

Discuss Your Treatment Plan

Once your doctor has outlined the treatment you need or want, our front office team will provide you with a clear cost estimate. This gives you a concrete number to work with when evaluating financing options.

Choose Your Financing Option

Based on your estimated out-of-pocket costs and personal preferences, our team can help you decide between CareCredit, Cherry, an in-house arrangement, or HSA and FSA funds. There is no pressure, and there is no single right answer.

Apply Quickly and Easily

Both CareCredit and Cherry offer fast applications that can be completed online or in our office. Cherry offers flexible plans with qualifying 0% APR options and uses a soft credit check that does not affect your credit score. CareCredit offers no-interest financing for 6, 12, 18, or 24 months on qualifying purchases, and you can use your account right after approval.

Begin Your Treatment

Once your financing is approved, you can move forward with scheduling your treatment. You should not have to wait to address your oral health because of financial uncertainty, and our team is committed to making sure you do not have to.

Understanding Your Financing Options in More Detail

CareCredit and Cherry: What Sets Them Apart

CareCredit and Cherry serve different patient needs, and understanding the distinction can help you decide which option is right for you. CareCredit is a healthcare credit card that functions similarly to a traditional credit card but is designed exclusively for medical and dental expenses. CareCredit offers promotional interest-free financing for up to 24 months, meaning no interest is charged if the balance is paid in full within the promotional period. It is a strong option for patients who are confident they can pay off the balance within the promotional window and want a dedicated line of credit for healthcare costs.

Cherry is designed to be accessible to a broader range of patients. Cherry uses a soft credit check that does not affect your credit score, and you can apply online anytime. Cherry offers payment plans ranging from short-term interest-free options to longer installment plans up to 60 months, with qualifying 0% APR or rates as low as 5.99% for longer-term plans. This makes Cherry particularly useful for patients who need more time to pay or who may not qualify for traditional financing.

For patients undergoing higher-investment procedures such as dental implants, All-on-X restorations, or full mouth reconstruction, having access to both options gives you real flexibility. Dr. Jason Goldberg and the team at Artistic Dental understand that these treatments represent a meaningful investment in long-term oral health, and they take seriously the responsibility of helping patients find a path to care that is financially sustainable. If you have questions about which option is best suited to your specific treatment plan, do not hesitate to bring it up at your next appointment.

Frequently Asked Questions

Financing questions are among the most common ones we hear from new and existing patients. Here are answers to a few that come up most often.

Will applying for financing affect my credit score?

Many patients find that even with good dental insurance, certain treatments leave a remaining balance after benefits are applied. Our financing options are designed to cover out-of-pocket costs regardless of whether you have insurance. Patients who have exhausted their annual insurance benefits may also want to explore our Healthy Smiles Savings Plan or review our full financial policy for additional context on how billing and balances are handled at our practice.

Can I use financing for cosmetic procedures that insurance does not cover?

Yes. Both CareCredit and Cherry can be used for a wide range of dental treatments, including elective and cosmetic procedures that fall outside of what insurance typically covers. Whether you are interested in veneers, teeth whitening, smile makeovers, or cosmetic bonding, our financing options are available to help you move forward on your timeline.