FigCare Pay connects you with multiple lending partners, giving qualified dental patients access to flexible monthly payment options for the care they need.
Your practice gets access to the tools, application links, and resources needed to start offering patient financing.
Introduce financing during consultations, treatment planning, estimates, checkout, or follow-up.
Once an approved patient's financing is funded, your practice receives payment and the lender handles repayment.
Dental financing gives your patients a comfortable way to pay for the treatment you recommend, so cost is less likely to stand between them and a healthy, confident smile.
You see it often. A patient needs implants, orthodontic treatment, or a full-mouth restoration, understands exactly why, and still pauses at the price, especially when insurance covers only a fraction of it. Faced with a large sum due before treatment begins, many delay care, settle for a lesser option, or walk away from the plan that would serve them best.
A way to pay over time can change that moment. When patients know they have options, they are more likely to move forward and complete the treatment you recommend, which supports better outcomes, stronger relationships, and a healthier practice.
With dental financing, patients can spread the cost into monthly payments while your practice is paid in full, upfront. You keep your fees, the lender handles repayment, and your patient can move ahead with the care they need.
Get Paid Upfront
Your practice receives the full amount once the loan funds, so you can focus on care instead of chasing balances.
Lender Handles Repayment
The lender takes on billing, reminders, and collections, giving your team back time for patients.
Keep Your Fees
Offer a caring way to pay without discounting the value of the treatment your patients need.
Key Takeaways
Dental financing lets your patients pay for their treatment over time instead of all at once. A patient applies, reviews the options they qualify for, and moves ahead if approved. Your practice is paid in full when the loan funds, and the patient repays the lender over a term that fits their budget.
FigCare Pay connects dental practices with a network of lenders that help patients finance implants, orthodontics and Invisalign, cosmetic work, and full-mouth restoration.
| What Happens | |
|---|---|
Step 1 Apply | The patient applies through your financing link and sees the monthly payment options they qualify for. |
Step 2 Choose an Offer | They compare the offers available to them and choose the term that fits their budget. |
Step 3 Begin Treatment | The loan funds, your practice is paid in full, and the patient starts the treatment you have planned. |
When a patient hesitates at the cost of treatment, it is rarely because they doubt they need it. More often, paying the full amount before treatment begins feels out of reach, particularly when insurance covers only part of it. Discounting your care chips away at what it is worth, and running an in-house payment plan asks your front desk to take on billing and follow-up. Financing offers a gentler path: your patient pays over time, and you keep your full fee while the lender manages repayment.
Healthy cash flow gives you room to care for patients well. The SBA offers practical guidance on managing business finances.
Financing tends to help most with treatment that has a clear scope and price. Implants, orthodontics, cosmetic work, full-mouth restoration, and emergency care are all common candidates, though eligibility ultimately rests with the lender.
Dental Implants
$3,000 – $30,000+
Single implants through full-arch restoration, one of the most common reasons patients look for a way to pay over time.
Orthodontics & Invisalign
$3,000 – $8,000
Braces and clear aligner treatment for teens and adults, often paid across the length of care.
Full-Mouth Restoration
$15,000 – $50,000+
Comprehensive reconstruction combining implants, crowns, and restorative work, where financing often makes the case possible.
Cosmetic Dentistry & Veneers
$800 – $2,500 per tooth
Veneers, cosmetic bonding, and smile makeovers that patients choose and are usually not covered by insurance.
Emergency Dental Care
$500 – $3,000
Urgent extractions, root canals, and repairs that arrive without warning, when paying over time brings real relief.
Crowns, Bridges & Restorative
$1,000 – $6,000
Crowns, bridges, and restorative work that rebuild function and often exceed what insurance will cover.
Figures are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
Patients appreciate hearing about payment options directly from the practice they trust, so it helps to make monthly payments a natural part of the treatment conversation rather than something you raise only after someone hesitates at the price.
The earlier patients know that paying over time is an option, the easier it is for them to say yes to the treatment you recommend. Make it visible from the first touchpoint, so financing feels like a normal choice rather than a last resort.
Before the Visit
During Treatment Planning
There is more than one way to collect payment, and each asks something different of your team. The real difference is how much time and follow-up lands on your front desk.
| Payment Method | When You Get Paid | Who Manages Repayment | Admin Overhead | Best For |
|---|---|---|---|---|
| FigCare Pay Financing | In full, once the loan funds | The lender | Low | Higher-cost treatment plans |
| Pay in Full | Right away | Not applicable | Low | Patients ready to pay upfront |
| Credit Card | After processing | Patient and card issuer | Low | Patients using available credit |
| Buy Now, Pay Later | Varies by provider | The provider | Low to moderate | Smaller balances, within provider limits |
| Your Own Payment Plan | Over time | You | High | Short-term arrangements you manage yourself |
In short: financing lets your practice collect in full upfront while the lender manages repayment, so your team can spend its energy on patients rather than payment tracking.
Picture a patient who begins a $5,400 implant case and pays you $900 a month for six months. You are delivering treatment while waiting on the balance, and a late or failed payment becomes your team’s problem to chase.
With financing, the patient borrows for the treatment, the loan funds, and you are paid in full while the lender handles repayment. The lender sets the rate, term, and approval.
Figures are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
Give patients a comfortable way to pay monthly while you keep your fees and hand the billing to the lender.
The patient applies directly and may be asked for details about their identity, income, and credit. The lender decides the offer, including the rate, any fees, and the term.
Most plans are structured as installment loans, repaid in set amounts over a fixed period. The CFPB explains how personal installment loans generally work.
The process varies from one lender to the next, and some let patients preview their options before a full application. Once everything is finalized and the loan funds, your practice is paid according to your agreement.
If a Patient Misses a Payment
The loan is between the patient and the lender, so missed payments fall under the lender’s policies. Keep clear records of your treatment plan and the care you have delivered.
If a Patient Pauses Treatment
Spell out in your treatment agreement how you handle pauses, missed appointments, and plan changes. A pause in treatment does not automatically change the patient’s loan.
If a Patient Cancels
Set your cancellation and refund terms before treatment begins. Any refund or adjustment follows your agreement and the lender’s terms.
Keep your treatment and pricing clear, present financing as one option among several, and send every question about rates and terms to the lender.
Describe your services as dental care, put your treatment plan and financial agreement in writing, and frame financing as a way to pay, never as a promise of a specific clinical outcome. The American Dental Association offers guidance on ethical practice and patient communication, and the FTC sets the rules for using reviews and testimonials honestly.
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If you present implant cases, orthodontic treatment, cosmetic work, or full-mouth restoration and often hear some version of “I want to do this, but I cannot pay for all of it right now,” financing may be a natural fit. Giving patients a comfortable way to pay keeps cost from ending the conversation and lets more of them move forward with the treatment that restores their health and confidence.
FigCare Pay helps dental practices weave monthly payment options into the case presentations they already make. Your patients get a comfortable way to pay over time, you keep your fees, and your practice is paid in full once the loan funds, so cost is one less thing standing between patients and a healthy smile.
Ready to Add Financing to Your Dental Practice?
Request information to see how quickly you can start offering monthly payment options.
Important: FigCare Pay is not a lender and does not make credit decisions. Financing is provided by participating third-party lenders and is subject to eligibility, underwriting, approval, applicable terms, and provider requirements. This page is for general informational purposes only and is not legal, tax, credit, dental, or financial advice.
Healthcare providers often face the challenge of balancing patient affordability with business growth. FigCare Pay helps solve this challenge by creating flexible financing opportunities for both patients and practices.
Receive full payment within 1–2 business days of approval, no matter the patient's repayment term.
Practices consistently see more treatment plans accepted once monthly payment options are on the table.
Financing is non-recourse, so your practice isn’t responsible for patient repayment or defaults.
A real onboarding and support team helps your front desk get comfortable offering FigCarePay from day one.
Give patients more options to afford treatments without delaying necessary care.
Help more patients say yes to recommended procedures by reducing financial barriers.
Create opportunities for growth with financing solutions designed for healthcare businesses.
Work with a streamlined approach that makes exploring financing options easier.
Patient cost objections are the leading cause of abandoned consultations. Adjust the sliders below to see how offering flexible, point-of-sale financing lifts your case acceptance rate and accelerates annual cash flow.
Projected Annual Practice Growth
Based on a conservative +20% case acceptance lift when offering multi-lender patient payment plans at the point of care.
Projections illustrate potential revenue gains based on benchmark conversion improvements across medical and aesthetic practices. Actual acceptance rates, volume, and collections depend on patient demographics and individual credit tier underwriting.
Dental financing is a way for patients to pay for dental treatment in monthly installments through a third-party lender instead of covering the full cost upfront. The dental practice is paid in full once the loan funds, and the patient repays the lender over a set term.
The patient applies through the practice’s financing link, reviews the monthly payment offers they qualify for, and proceeds if approved. Once the loan funds, the practice receives the full treatment cost upfront and the lender handles all repayment, billing, and collections.
Patients most often finance higher-cost dental treatment, including dental implants, orthodontics and Invisalign, full-mouth restoration, cosmetic dentistry and veneers, emergency dental care, and restorative work like crowns and bridges. Eligibility for any specific treatment is determined by the lender.
Financing amounts commonly range from a few hundred dollars to $50,000 or more, which covers everything from a single crown to a full-mouth restoration. The final approved amount depends on the lender and the patient’s approval.
There is no single credit score cutoff for dental financing. A multi-lender network is built to review a range of credit profiles, and approval, rates, and terms are set by the lender based on credit and other factors. Approval is never guaranteed.
In many cases patients can check their options with a soft credit inquiry that does not affect their credit score. A hard inquiry, which may affect the score, generally happens only if the patient moves forward with a specific offer. The exact process varies by lender.
The practice is typically paid in full once the loan funds and any funding requirements are completed. Exact timing depends on the lender and the financing product, so follow the funding steps your financing provider outlines.
Patients with less-than-perfect credit may still qualify, because a multi-lender network includes options for a range of credit profiles rather than a single lender’s standards. Approval, amounts, and terms are decided by the lender, and no approval is guaranteed.
Connect with FigCare Pay to discover how flexible financing options can help your patients and support your healthcare business growth.