Affordable Dental Financing
Let’s say you can’t afford a dental insurance plan, your employer doesn’t offer one, or you need a procedure that isn’t covered by your dental insurance. A good example will be cosmetic dental work or you need extensive dental treatment that cost thousands of dollars that of course will go beyond any dental insurance maximum payment in a year or simply you can’t pay at once for your co share after insurance coverage…what do you do then?
Sunnyvale Dentist Dr. Antonious can also offer low to no interest inexpensive financing through a third-party financer, The Lending Club. With a Lending Club plan the cost of your care will be broken up into much smaller and cheap monthly payments. They typically don’t include any upfront costs, annual fees, or prepayment penalties. Call Sunnyvale Dental Care to ask any question related to The Lending Club financing options.
Lending Club is different from a regular credit card. It is an affordable way to help you pay for out-of-pocket expenses not covered by dental insurance by extending special economic financing options that you can’t get when using your Visa or MasterCard.
Who can apply?
You’ll need to be over 18 years of age, a U.S. citizen or resident alien, and currently reside in the U.S. You must have a U.S. Social Security Number, a street, rural route or APO/FPO mailing address, and have a valid government issued photo ID. If you have additional questions, call the Lending Club at 800-630-1663.
How to Apply?
You can apply online or by calling their automated application system. Keep your important information handy for quick reference. Mostly, the information required to complete your application will be Sunnyvale Dentist Dr. Antonious’s name, your name, address, date of birth, social security number or TIN, net income and housing Information. At Sunnyvale Dental Care, we will be happy to apply on your behalf and get it done for you.
How much can I finance?
Getting the treatment your practitioner prescribed is important—so Extended Plans offered through Lending Club Patient Solutions allow you to finance from $2,000 to $50,000. With True No-Interest Plans for 6, 12, 18 or 24 months-after that 26.99% standard APR, you can finance from $499 to $32,000. Of course, these must be qualified expenses, and the payment plan/credit account is subject to credit approval. Some payment plan options may not be available in all provider offices.
Still have questions? Call The Lending Club at 800-630-1663.
Is there a down payment?
There’s no down payment, just fixed, predictable monthly payments. In fact, no payment is due for three to seven weeks.
How is my interest rate determined?
We know every patient’s budget is different, so we offer a variety of affordable options. With Extended Plans, your rate is determined by the amount financed, term selected and the applicant’s credit history. With No-Interest Plans for 6, 12, 18 or 24 months-after that 26.99%, there is no interest provided you pay in full in 6, 12, 18 or 24 months. If you still have a balance at the end of the promotional period, you’ll be charged interest on that balance going forward at the standard APR of 26.99%.