When a treatment plan costs more than you expected, spreading the cost over time can make the difference between starting care now and putting it off. Dental financing lets qualified patients break a larger bill into payments, but the terms matter as much as the monthly amount, so it helps to understand how it works before you apply.
Our team at Pascack Valley Dental in Emerson, NJ accepts CareCredit for qualified patients, and you can find our insurance and other payment information on our insurance page. Dr. Craig Salizzoni has been part of our practice for 10 years and now owns it, and we like to talk through costs openly and without pressure.
New patients welcome. See our insurance information.
Dental financing is a way to pay for treatment over time instead of all at once. Rather than paying the full amount at your visit, you use a healthcare credit card or loan from a third-party lender and repay the balance according to that lender’s terms. Approval, interest rates, and repayment terms are set by the lender, not by the dental office.
Financing does not lower the cost of treatment. It changes when and how you pay for it, which can make a larger treatment plan easier to fit into a monthly budget. Whether it is the right choice depends on the terms you are offered and how comfortable you are with the repayment schedule.
Yes, we accept CareCredit for qualified patients. CareCredit is a healthcare credit card offered by a third-party lender, not by our practice. You apply directly with CareCredit, and approval, interest rates, and promotional terms are set by the lender and may change over time. Our team can point you toward the application, but we cannot guarantee approval or specific terms.
Our team is happy to answer questions at any step, so please reach out whenever you are ready.
Before you accept any healthcare credit card, it is worth reading the fine print. Some promotional offers use deferred interest, which means interest may be added to your full original balance if it is not paid off by the end of the promotional period. The Consumer Financial Protection Bureau explains how medical credit cards and financing plans work, including what to ask before you sign up. Taking a few minutes to compare terms can help you avoid surprises later. Here are the questions worth asking.
Financing is often considered for larger treatment plans. Restorative work, Invisalign clear aligners, and gum disease care may involve several visits, and the total can add up. Our team can review your treatment plan with you and talk through whether financing may fit your situation. If you decide it is not the right fit, we are glad to talk through other options with you.
If you are in pain or have a broken tooth, please do not wait on a financing decision. Our office sees dental emergencies the same day, and we can discuss costs once you are comfortable.
Pascack Valley Dental has served Pascack Valley families since 1982. Dr. Craig Salizzoni has been part of our practice for 10 years, many of our patients have been with us for 20 to 30 years, and our team speaks English, Spanish, and Russian.
If you have questions about financing or want to schedule a visit, call our office or contact us online, and our team will help you find an option that fits.
