Dental Financing and Payment Plans for Bad Credit


Seeing a dentist can be costly. If your child needs dental care, whether it’s a routine exam, oral surgery, or emergency care, you may be wondering if you can squeeze the additional cost into your family’s weekly or monthly budget.


Good news! You have options for dental care financing and payment – even if you have less-than-perfect credit.



Affordable Care | Dental Financing for Bad Credit

Kool Smiles Kids Club has a network of partner dentists who go the extra mile to make dental care affordable. We recognize, though, that dental care is still out of reach for many families. Our partners welcome patients with CareCredit. A team member at your nearest Kool Smiles partner clinic will gladly help you apply.


CareCredit is a healthcare-specific credit card that allows cardholders to pay for their procedures through affordable monthly payments.


CareCredit covers a variety of dental care, including:

  • Six-month checkups
  • Endodontics
  • Periodontics
  • Gingivitis preventions
  • Fluoride treatment
  • Ceramic fillings
  • And more


Don’t let finances prevent your child from getting the quality care they deserve. Remember that regular checkups can reduce your child’s risk of developing major oral health issues that can require very costly treatments.



Additional Payment Options With a Kool Smiles Partner Dentist

CareCredit can save the day when unexpected healthcare costs come up, but if you’re insured, you should check with your provider about coverage before opting for CareCredit.


Kool Smiles Kids Club’s partner dentists accept Medicaid, TRICARE, CHIP (formerly SCHIP), and most major insurance policies.


Your child’s dentist will provide a precise quote after a thorough exam and consultation. In most situations, you’ll have enough time to weigh all your options before you need to make a decision.