Dental Financing in Harrisburg, NC

We all know that maintaining our oral health takes work, but patients sometimes hesitate to get the care they need due to possible costs. Whether you need to replace teeth with mini dental implants, want to enhance your smile with porcelain veneers, or be proactive about your child’s health with expert pediatric dentistry, Dr. David P. Ney, DDS, can help. Our mission is to provide affordable, high-quality dental care to our patients and their families with flexible dental financing options.

While dental insurance plans typically cover some of the costs of preventative dental care and basic procedures, Dr. Ney recommends reaching out to your provider to ensure that you know ahead of time what services are covered by your policy and at what rate.

Dental Financing in Harrisburg, NC Making Dentistry AffordableIf you don’t have dental insurance or insurance doesn’t cover the cost of your treatment, you don’t have to worry: we provide options to make costs less of a concern. Our office partners with three dental financing companies to leverage the best rates available. With various plans offered, you can be sure that you and your family can get exceptional dental care that fits your budget.

At your free consultation, we will gladly discuss which offers are right for you and help you to apply for your preferred financing plan.

Dental Financing Options

We partner with CareCredit, LendingClub, and Ally to ensure you have a suitable dental financing option for your oral care. These easy and convenient loan and credit options help you pay out-of-pocket for your dental treatments and procedures.

With each of these companies, you’ll get the following:

  • Easy and immediate prequalification with no impact on your credit score
  • Manageable monthly payment options that fit your budget
  • No down payments
  • No prepayment penalties
  • Convenient online payment portal

Read on to learn more about the dental financing companies that we work with to help you access high-quality dental care without harming your financial health.


CareCredit is a credit card specifically designed to help you pay for your medical, dental, and wellness needs. CareCredit doesn’t just cover your dental work. The card can be used to pay for medications, spa treatments, lab work, and even pet care. Once you are approved for a CareCredit card, you’ll be able to use your card over and over at participating health, wellness, and beauty providers to pay the cost of deductibles, treatments, and procedures. Dr. Ney and 250,000 providers trust CareCredit for your healthcare financing needs.

With your CareCredit card, your dental financing can include preventative density (like checkups and cleanings, fluoride treatment, ceramic dental fillings, periodontal maintenance including gingivitis prevention, etc.) as well as cosmetic and restorative dentistry (like dental implants, porcelain veneers, ceramic crowns, tooth repair, etc.)

Short-term dental financing is available over 6, 12, 18, or 14 months with no interest charged for purchases of at least $200. The “No Interest if Paid in Full” plan keeps your interest at 0% as long as you make the minimum monthly payments and pay the balance by the end of the promotional period. Equal monthly payments enable you to pay off the full amount by the end of the loan term. Lower minimum monthly payment options are available, but the minimum payments may not add up to the total balance in the timeframe selected, meaning that you would have to pay the remaining balance at the end of the promotional period.

For purchases of at least $1,000, longer-term options of 24, 36, or 48 months are available. 60-month loan terms may be eligible for purchases of at least $2,500. These plans have reduced annual percentage rates (APR) and fixed monthly payments required until the loan is paid in full. All offers are subject to credit approval.

With quick and easy prequalification, you’ll find out instantly if you prequalify for a CareCredit card without impacting your credit score. If you prequalify, you can apply right away. You must be 18 or older to apply online and 21 or older to apply by phone. Application is easy with our automated phone system, but if you’d like to speak to a live agent, you can call Monday through Friday from 9 AM- 9 PM (ET).


LendingClub Patient Solutions allows you to finance elective dental and medical procedures. With LendingClub, you can finance general and pediatric dentistry, cosmetic and restorative dentistry, orthodontics, periodontics, prosthodontics, and surgery. Common dental financing procedures include dental implants, veneers, braces, and dentures.

Offering loan amounts ranging from $500 to $65,000 over 6 to 84 months, LendingClub gives you options for financing your dental care that align with your long-term financial needs.

Installment loans are offered with 24, 36, 48, 72, and 84-month terms. For payments of $1,000 to $50,000, you’ll pay equal monthly payments at a fixed rate. APR ranges from 3.99% to 30.99%, depending on your credit history. Promotional no-interest plans are also available for financing payments of $499 to $32,000. You can make manageable, interest-free payments over 6, 12, 18, or 24 months. Interest will only be applied if the balance is not paid in full by the end of the promotional period.

You can apply online 24/7 if you are at least 18 years old. Once you are approved, you’ll get customized loan options. You’ll choose an offer (rate, term, and payment options) that works best for you. Money for your dental care can be sent to your bank account or Dr. Ney directly.

Ally Lending

We also partner with Ally Lending, a company that offers personal loans for medical treatments and procedures. With installment loans, you can make affordable monthly payments over an extended period. APR is based on the loan term selected and your credit history.

To apply, you’ll first enroll in the online system. Once you prequalify, Ally will generate personal financing solutions, and you’ll select a plan that best suits your needs. When you submit your application, Ally will run an instant credit check. Upon approval, you’ll sign all documents electronically. Your loan funds will then go directly to Dr. Ney’s office.

Managing your loan has never been easier with Ally’s easy-to-navigate online payment system. You’ll be able to view your statements and set up automatic payments. If you prefer, you can pay through your bank, by mail, or by phone.

Dental Financing Plans Help You Invest in Your Smile

If you need a procedure to maintain your oral health or want to regain confidence in your smile, rest assured that you can pay for your treatment without breaking the bank. At Dr. Ney’s office, investing in your oral health doesn’t mean compromising your financial health. With various payment options from three dental financing companies, you don’t have to worry about paying for out-of-pocket dental expenses.

Contact us today to schedule a free consultation with Dr. David P. Ney, DDS, and learn more about your dental financing options.