Contact Adult Dentistry of Ballantyne in Charlotte, NC

Dental Financing — Charlotte, NC

Dental Financing

Beautiful, healthy dentistry shouldn’t have to wait for the perfect time to pay for it. Adult Dentistry of Ballantyne works with three financing partners — CareCredit, Cherry, and Happen Bank — so there’s a comfortable monthly plan for nearly every treatment and nearly every budget. See all of our patient information resources. Your exact monthly number is built during your visit, around your specific treatment plan.

How financing works here

Cost Is Rarely the Reason to Wait

A Plan for Every Treatment

Payment options are available across the full range of care we provide — from a routine crown, filling, or whitening to veneers, Invisalign, full-mouth restoration, and dental implants.

Prequalify with no credit impact

Cherry’s prequalification is a soft credit check. You’ll see the plans and monthly figures you qualify for before making any commitment — with no effect on your credit score.

Insurance Applied First

Any dental benefits you have are applied to your treatment total before financing is calculated. You finance only what’s left — which often changes the monthly figure significantly.

No Same-Day Pressure

Take the time you need. Your visit is information, not a sales close — you decide what’s right for you, on your timeline.

Our Financing Partners

Three partners — one for every kind of treatment

Not every financing option is built for every treatment cost. We offer three partners because they each serve a different need — so the right plan exists whether you’re scheduling a single crown or a full smile makeover.

CareCredit dental financing — Adult Dentistry of Ballantyne

Shorter-term & promotional financing

Best for: Single dental implants and snap-on implant dentures.

CareCredit offers promotional plans including no-interest options for patients who can pay the balance within the promotional period, as well as longer reduced-rate plans for patients who prefer a steady monthly payment. Apply at the practice — approval decisions are typically returned within minutes.

Cherry dental financing — Adult Dentistry of Ballantyne

Flexible monthly installment plans

Best for: cosmetic and restorative treatment — veneers, smile makeovers, Invisalign, full-mouth reconstruction, and implants.

Cherry offers installment plans with terms up to 60 months and approval amounts up to $50,000. You can prequalify in about 60 seconds with a soft credit check that does not affect your credit score, and Cherry approves a wide range of credit profiles. Use the payment estimator below to see an estimated monthly payment before your visit.

Cherry Technologies, Inc. (NMLS #2061234). APR 0%–35.99%. Eligibility not guaranteed.

LendingClub dental financing — Adult Dentistry of Ballantyne

Extended, fixed-rate healthcare financing

Best for: larger treatment plans and patients who prefer a longer, predictable fixed monthly payment.

Happen Bank (formerly LendingClub Patient Solutions) offers extended installment plans for higher treatment amounts, with fixed monthly payments and a range of term options. Our team helps you apply and walks you through which plan fits your treatment.

Each partner offers a prequalification process that doesn’t affect your credit score. At your visit, our team will walk you through the options that fit your treatment plan.

Cherry Payment Estimator

See an Estimated Monthly Payment — Before You Come In

Enter a treatment amount below to see the plans you may qualify for through Cherry. No hard credit check, no commitment — it takes about 60 seconds.

Woman with a healthy, bright smile — dental financing at Adult Dentistry of Ballantyne

How It Works

Three steps from where you are now to a plan in place

From your first call to a scheduled treatment date, every step is straightforward — and there’s no financial commitment until you’re ready.

1

Step 1

Your visit and exact pricing

Dr. Robert L. Harrell, DDS reviews your goals and your mouth and builds a treatment plan with specific pricing for your case. It’s the only way to get numbers that actually apply to you. No payment is due at this visit.

2

Step 2

Prequalify for Financing — No Credit Impact

With your plan in hand, we prequalify you through Cherry, CareCredit, or Happen Bank — depending on your treatment and what fits best. You see the plans you qualify for, including monthly figures, before committing to anything.

3

Step 3

Choose your plan and schedule treatment

When you’re ready, the application takes minutes and most patients are approved the same day. Your treatment is scheduled, and your payments begin after your procedure — you’re not paying for something before you’ve received it.

Common Questions

Common Questions About Dental Financing

Not necessarily. CareCredit, Cherry, and Happen Bank each work with a range of credit profiles, and there may be options available even if your credit isn’t strong. The prequalification step is the honest way to find out what you’re eligible for — Cherry’s is a soft check that shows you real options without affecting your score.

Yes. If you have dental insurance that covers part of your treatment, that benefit is applied to your cost before financing is calculated. You finance the remaining balance. Our team coordinates your benefits as part of your visit so you know your actual out-of-pocket number before you decide anything.

No. Financing covers the full range of care — from routine restorative work like crowns and fillings to cosmetic treatment like veneers and Invisalign, and larger plans like full-mouth restoration and implants. The right partner depends on the treatment and the amount.

That depends on your specific treatment plan, the term you choose, and your credit approval. Use the Cherry estimator above for a quick estimate — your exact figure is built at your visit, where there’s usually more flexibility in the term and structure than patients expect.

It can happen with a single lender, especially on larger cases. It’s one reason we offer three partners — if one approval doesn’t cover the full amount, another partner’s higher limits or longer terms often bridge the gap. We work through these scenarios at your visit so you’re not surprised after the fact.

You don’t have to figure that out alone. Our team matches your treatment and your preferences to the partner that fits — shorter promotional terms through CareCredit, flexible monthly plans through Cherry, or extended fixed-rate plans through Happen Bank.

Your Next Step

Let’s find the plan that fits your smile and your budget

Dr. Harrell will review your goals, build a treatment plan with exact pricing, and walk you through your financing options before you commit to anything. Imagine what’s possible for your smile — and let’s make the payment part simple.