flexible financing to make care affordable

need options? We’ve got you covered

finding the right payment plan for you

At Thrive Dental Care, we want every patient to get the care they need without letting cost stand in the way. We work with several trusted financing partners so you can spread out payments over time and focus on your oral health with confidence and clarity.

Below are the options we currently offer. Our team is happy to walk you through each one and help you decide which fits your situation best. Call: (904) 878-2340.

who can benefit from financing options

Financing is not just for large procedures. Many patients use these options to make care more manageable and less stressful.

You may benefit from financing if you:

Don’t want to pay for treatment all at once

Are planning a larger procedure and prefer monthly payments

Have insurance but still need help with out-of-pocket costs

Want to move forward with recommended care without delay

Prefer predictable payment amounts that fit your budget

CareCredit

CareCredit is a healthcare credit card designed specifically to help patients pay for medical and dental care. It works like a regular credit card, but exclusively for health and wellness expenses.

Patients can apply online or by phone. Once approved, you receive a line of credit that can be used at participating healthcare providers, including Thrive Dental Care. CareCredit often offers promotional 0% APR financing for set periods (such as 6–24 months) when the balance is paid in full within that time. Longer-term options with interest are also available.

This option may be a good fit if you want a reusable line of credit to help manage the cost of ongoing or future care.

Jackson Family Dental front office kansas city

Cherry

Cherry is a patient financing platform built specifically for healthcare, dental treatment, and wellness expenses. It lets you apply with a soft credit check that won’t affect your credit score, and approval decisions can come in a minute or two.

Cherry provides flexible repayment plans with set monthly payments. Depending on your eligibility, you may qualify for 0% interest plans or longer terms with competitive rates. Cherry typically supports higher loan amounts and repayment periods tailored to larger treatments.

Cherry’s structure helps patients break down a treatment cost into manageable payments with transparency and predictable terms.

Sunbit

Sunbit offers another way to finance dental care with a soft credit check that won’t hurt your credit score and fast approval in many cases.

Sunbit’s plans let you split the cost of treatment into monthly payments over time, giving you flexibility without paying everything upfront. Loan terms may extend out to several years for larger treatment costs.

This option can be especially helpful if you want a straightforward repayment schedule and quick decisions on financing.

how our team helps you choose

Financing can feel overwhelming, especially when you are already thinking about your treatment.

Our team will walk you through your options step by step. We can:

Explain how each financing partner works

Help you compare monthly payment structures

Answer questions about applications

Assist you during the approval process

You will never feel pressured. Our goal is to help you make a confident decision that supports both your health and your budget.

hear from
our patients

300+

5-star reviews!

“From the moment I started, I could tell this dental office truly cares about its patients. The staff was incredibly pleasant and created a welcoming environment to ensure I was comfortable. They have a list of things, like noise-cancelling headphones, etc., to help their patients feel comfortable. They kept me informed and made sure I felt at ease. I'm grateful to the entire team.”

- Ashley M.

“Dr. Ho and his entire staff were very pleasant and efficient in their work. They all have great smiles and manners! I was seen on time, and the initial visit went smoothly. They were thorough in their examination, and I appreciate that he has a huge screen on the wall so that he can show me about my teeth as he was explaining!”

- Ann N.

“Thrive Dental Care is a great place for you to go! My visit for a tooth filling was top notch! A very professional and friendly atmosphere. I was very impressed with the care and performance of Dr. Ho and his staff!”

- Ron C.