---
title: "What Is Dental financing? Dental Glossary | Town Center Dental"
description: "Dental financing is a way to pay for dental care over time, often through a payment plan or a credit card for health costs."
url: https://towncenterdental.multisites.ai/glossary/dental-financing
publisher: Town Center Dental
phone: +1-636-273-5866
quote: https://towncenterdental.multisites.ai/request-appointment
---

Insurance and Billing

# Dental financing

Dental financing is a way to pay for dental care over time, often through a payment plan or a credit card for health costs.

Dental financing spreads the cost of care over a period of time. The ADA's MouthHealthy site says financing is sometimes offered to make paying more manageable and can involve the use of a credit card. Offers range from in-office payment plans to outside lenders.

Read the terms before you agree. Check the monthly minimum payment, the interest rate, and what happens when a no-interest period ends. Paying only the minimum may not clear the balance before the offer ends.

Financing is different from [insurance](https://towncenterdental.multisites.ai/glossary/dental-insurance). You still owe the whole balance. Tax-advantaged accounts such as an [FSA](https://towncenterdental.multisites.ai/glossary/flexible-spending-account-fsa) or [HSA](https://towncenterdental.multisites.ai/glossary/health-savings-account-hsa) can help too. This entry does not describe a specific offer. See the [insurance and financing page](https://towncenterdental.multisites.ai/patients/insurance-and-financing) for the practice's options.

## Related terms

-   [Flexible spending account (FSA)](https://towncenterdental.multisites.ai/glossary/flexible-spending-account-fsa)
-   [Health savings account (HSA)](https://towncenterdental.multisites.ai/glossary/health-savings-account-hsa)
-   [Dental membership plan](https://towncenterdental.multisites.ai/glossary/dental-membership-plan)
-   [Self-pay patient](https://towncenterdental.multisites.ai/glossary/self-pay-patient)
-   [Dental insurance](https://towncenterdental.multisites.ai/glossary/dental-insurance)

## Sources

1.  [ADA MouthHealthy: Dental Care Financing Plans](https://www.mouthhealthy.org/dental-care/financing-plans)
2.  [ADA MouthHealthy: Dental Care Financing Plans](https://www.mouthhealthy.org/dental-care/financing-plans)

## Ready when you are

[Request an appointment](https://towncenterdental.multisites.ai/request-appointment)[Call (636) 273-5866](tel:+1-636-273-5866)