We Accept CareCredit - Charlotte, NC 28273 Dentist

Apply online using a link for our office; it takes under a minute and does not affect your credit score, since there's no hard credit check. Many applicants receive an instant decision, and about 90 percent are approved. If approved, you can use CareCredit toward eligible treatment right away, and our team is happy to help you through the steps at the office. Call (704) 587-1010 and we'll walk you through it.

Financing options through CareCredit range from 0% to 35.99% APR, with terms from 1 to 60 months and amounts from $35 to $65,000. Everyone who is approved gets a zero-interest Pay-in-4 offer, and qualifying patients can access 0% APR or rates as low as 5.99% on longer plans. Your exact rate and payment depend on the amount financed and the plan you choose. There are no hidden fees such as deferred, retroactive, or compounding interest.

No. Checking whether you're approved with CareCredit uses no hard credit check, so it does not affect your credit score, and decisions are often instant. Approval and your specific terms depend on factors like your financial history, credit score, and income, and are not guaranteed. Call (704) 587-1010 to get started.

After you're approved, you choose a payment plan that fits your budget and pay in fixed monthly installments. CareCredit is a financial technology company, not a bank or lender; financing is provided through CareCredit's lending partners, and CareCredit handles repayment directly with you. Plans range from $35 to $65,000 over 1 to 60 months. We'll give you a written treatment estimate so you know the amount to finance before you apply. Call (704) 587-1010 for a personalized estimate.

Yes, that's one of the most common ways patients use it. CareCredit is a convenient way to fit expenses not covered by insurance into your budget. If your insurance doesn't fully cover a recommended treatment, you can finance the remaining balance over time. Many patients use their insurance benefits first and finance only the remaining portion. Call (704) 587-1010 and we'll help you plan it.

No hard credit check is required to see whether you're approved, and CareCredit has no hidden fees such as deferred, retroactive, or compounding interest. Your APR can be as low as 0% depending on the plan and your approval, up to a maximum of 35.99%. Review the terms shown to you before you accept a plan. Call (704) 587-1010 if you have questions.

Steele Creek Smiles offers several ways to make treatment affordable, including financing through CareCredit and CareCredit, plus our own in-house membership plan for patients without insurance. We provide a clear written estimate before your treatment so you know exactly what your cost will be and which payment option fits best. If you're unsure which option is right for you, call (704) 587-1010 and we'll walk you through them.

To get the most from financing, ask us for a full treatment estimate up front so you finance the right amount, and choose a plan with a monthly payment you're comfortable with. If you have dental insurance, use your benefits first and finance only the remaining balance, which keeps the amount you borrow as low as possible. If you qualify for a 0% APR plan, paying it off within the plan term helps you avoid interest. Call (704) 587-1010 and our team will help you plan it.

Yes. In addition to CareCredit, we also offer financing through CareCredit, and we have an in-house membership plan for patients without insurance that bundles preventive exams, cleanings, and X-rays at a discounted annual fee, plus reduced rates on restorative and cosmetic treatments. Not sure which option is right for you? Our team can help you compare plans during your visit.