Part of Our Financial Information

Dental Payment Options

Finding a dependable emergency dentist in Chicago matters, but so does knowing you can actually afford the treatment once you're in the chair. At In Smyle Dental, we understand that there are times when your dental insurance doesn't offer coverage for the services you need or that you don't want to pay for a treatment all at once, which is why we accept CareCredit and Proceed Finance. These payment plans offer financing to help you pay for your treatment in smaller amounts, over time.

Part of Our Financial Information

Financing Options

Whether you're a long-time patient of our family dentistry practice in Chicago or you're visiting us for the first time after searching "best dentist near me," our financial coordinators can walk you through every option below before your appointment, not after the bill arrives.

Book Online Or Call: (773) 915-6530

Have questions about costs before you book? Read our Financial Disclosure or review our Office Fees page for a plain-language look at what to expect.

Three Ways to Pay Over Time

Our Trusted Financing Partners

We work with three reputable third-party lenders so you have choices that fit your credit history and your budget. Each partner has its own application process, handled entirely online or at the front desk, and none of them require you to pay your entire treatment cost before we begin.

Cherry Financing

We've teamed up with Cherry to provide quick, hassle-free payment plans - get treatment now, pay later. Pick the plan that suits you, with no hard credit check needed to apply!

Visit Cherry

Sunbit

Sunbit offers lightning-fast point-of-sale financing, approving most shoppers instantly, spreading essential purchases into manageable, transparent monthly payments with flexible terms.

CareCredit

CareCredit makes it easy to get the dental care you need today and pay over time. Use it for treatments big or small - with flexible financing and no upfront costs.

Curious about keeping your smile bright between visits? Check out our article, "How To Whiten Your Teeth Without Damaging Enamel."

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Making Sense of the Bill

Insurance, Financing, and What Each One Covers

If you've ever had to call around looking for an emergency dentist in Chicago at the last minute, you already know unexpected dental problems rarely come with a convenient budget. Insurance can help, but most plans cap annual benefits well below the cost of major work, and some treatments simply fall outside what your plan will pay for at all.

Financing fills that gap. Instead of insurance paying a claim, a lender like CareCredit, Cherry, or Sunbit pays us directly and you repay the lender over a set schedule, usually with fixed monthly amounts that are easy to plan around. It's a different tool for a different job, and many of our patients end up using both at the same time: insurance for the portion it covers, financing for the rest.

Treatments Patients Commonly Finance

Dental implants in Chicago - multi-stage treatment with surgical and restorative fees spread across several months.
Root canal therapy - care from our root canal specialist handled right away, paid in smaller installments.
Cosmetic dentistry and teeth whitening in Chicago - veneers, bonding, and whitening plans that fit a monthly budget.
Emergency and restorative work - crowns, extractions, and urgent repairs that can't wait for your next paycheck.
Family dentistry in Chicago - routine and preventive care for multiple family members in one visit.

Not sure which category your treatment falls under? Our Financial page and Membership Plan are both worth a look if you don't carry traditional insurance at all.

Why It Works

Why Chicago Families Choose Flexible Payment Plans

We'd rather you say yes to a treatment plan because it's right for your health, not because of what it costs upfront. These are the reasons patients at our Lincoln Park office keep coming back to financing instead of putting off care.

Predictable Payments

Fixed monthly amounts replace one large bill, so you know what's due and when.

Fast Approvals

Most applications are decided in minutes, right from your phone or our front desk.

No Delayed Care

Treatment can start right away instead of waiting until savings are built up.

Built for Families

Cover several family members' care on one plan instead of several separate bills.

Getting Started

How to Apply for Dental Financing

Applying for any of these plans takes a few minutes, and our team is happy to sit with you and walk through the numbers before you sign anything. Here's roughly how the process goes for new and existing patients alike.

Get Your Treatment Estimate

We examine your teeth and give you a written cost breakdown before anything is scheduled, so there are no surprises.

Choose a Lender

Pick Cherry, Sunbit, or CareCredit based on your preferred terms, monthly payment, and credit check requirements.

Apply Online or In Office

Fill out a short application from your phone, tablet, or at our front desk. Decisions are usually instant.

Begin Your Treatment

Once approved, we schedule your visit right away, including walk-in dental office appointments when urgent care is needed.

If you're a new patient, our New Patients page and First Visit guide explain what to bring along, and our Virtual Consultation option lets you ask about costs before you ever step foot in the office.

Common Questions

Frequently Asked Questions

What is the difference between dental insurance and dental financing?

Insurance is a benefit you or your employer pays into ahead of time, and it typically covers a portion of your treatment up to an annual limit. Financing, through lenders like CareCredit, Cherry, or Sunbit, is a separate payment arrangement that lets you pay your remaining balance over time instead of insurance paying a claim. Many patients use both together: insurance covers what it can, and financing covers the rest.

Do I need good credit to qualify for CareCredit, Cherry, or Sunbit?

Each lender has its own approval criteria. Cherry is designed to approve a wide range of credit profiles and does not require a hard credit check to apply, which means checking your options won't affect your credit score. CareCredit and Sunbit each run their own quick application process, and most decisions come back within minutes, so you'll know where you stand before you commit to anything.

Can I use financing if I need an emergency dentist in Chicago right away?

Yes. Emergency visits, such as a cracked tooth, severe pain, or infection, can often be financed the same day. Because applications are handled online or at our front desk and approvals are typically fast, you don't have to delay urgent care while you figure out how to pay for it. Call us right away and we'll talk through your options as soon as you arrive.

Which treatments can be paid for with these financing plans?

CareCredit, Cherry, and Sunbit can all be used across nearly everything we offer, from routine cleanings and fillings to dental implants, root canals, cosmetic dentistry, and teeth whitening. There's no requirement that the treatment be an emergency or a major procedure. Smaller balances qualify just as well as larger treatment plans.

Can I combine financing with my dental insurance benefits?

Absolutely, and we encourage it. Our front desk will first apply your insurance benefits to the treatment cost, then help you set up financing through CareCredit, Cherry, or Sunbit for whatever balance remains. This way you're only financing the portion insurance doesn't cover, which keeps your monthly payment as low as possible.

How do I apply, and how long does approval take?

You can apply from your phone before your appointment or right at our front desk the day of your visit. All three lenders use short online applications, and most patients get a decision in a matter of minutes. Once approved, we can schedule or begin treatment the same day in most cases.