Dental Implant Financing

Full-Arch Implants Don't Have to Wait for Your Budget

Dental implants are not covered by insurance — but OIC has already done the work to make them as affordable as possible. Pre-negotiated rates across our certified network, paired with flexible financing from our lending partners, means you can start today and pay over time.

What You're Financing — OIC Pre-Negotiated Rates

Before you think about monthly payments, OIC has already lowered the number you’re financing. Our certified network rates are negotiated directly with providers and locked in before your appointment.

Single Arch

National Average: $18,000 – $25,000

$11,500
Est. Monthly/$157

Full Mouth (Both Arches)

National Average: $35,000 – $50,000

$22,500
Est. Monthly/$307

Monthly payments shown are estimates. Final terms determined by lending partners based on credit profile and other underwriting criteria. Pre-qualification does not impact your credit score.

How OIC Financing Works

0% APR Plans

Interest-free promotional terms available for qualified applicants through CareCredit and Cherry. Pay nothing in interest if paid within the promotional period.

Low Monthly Payments

Spread your costs over 24 to 84 months. With OIC's pre-negotiated rates as the starting point, monthly payments are significantly lower than financing standard market prices.

No Credit Impact to Check

Pre-qualification uses a soft credit pull — checking your options does not affect your credit score. You see what you qualify for before making any commitment.

No Hidden Fees

Transparent lending terms with no prepayment penalties. Pay off early at any time with no cost.

OIC Lending Partners

OIC works with three of the most trusted healthcare financing platforms. Your certified provider will present the options available to you — one application covers all three.

CareCredit®

One of the most widely accepted healthcare credit cards. Offers 6, 12, 18, or 24-month interest-free promotional financing for qualified applicants.

Proceed Finance®

Specializes in large-case dental financing. Offers loans up to $75,000 with flexible long-term repayment plans — ideal for full-mouth cases where you want the lowest possible monthly payment over a longer term.

Cherry®

A modern buy-now-pay-later platform for medical procedures. Quick approvals, 0% APR options, and flexible terms for patients who prefer a streamlined digital experience.

Open Implant Chair

No Impact.
No Obligation.
Financing Qualification

Next Step: Flexible Financing

Take the next step by checking your financing options. The process is quick, does not impact your credit, and you are free to decide whether to move forward. Once complete, you can reserve your free consultation.

 

Powered by our Financing Partner – FormPiper

Frequently Asked Questions

No. pre-qualification uses a soft credit pull and does not impact your credit score. You can review your options with no commitment.

No. Full arch dental implants are not covered by insurance. This is why OIC’s pre-negotiated pricing exists — our certified network rates start well below what you’d pay at a standard clinic, and flexible financing through our lending partners makes monthly payments manageable.

Yes. Our lending partners offer options for a range of credit profiles, including programs designed for patients working to rebuild credit. Co-signers are also accepted to help secure approval or better terms.

No. Checking your financing options does not commit you to any treatment or payment. You decide whether and when to move forward after reviewing your options.

Most patients complete the process in a few minutes. If additional information is needed, the OIC team will walk you through the next steps.

Apply For Financing or call OIC at (855) 774-8020 and our placement team will send you a direct link. The process is fully online and takes just a few minutes.