Which States Have the Most Dental Implant Practices Offering Financing? Data From 17,721 Practice Websites

Most patients cannot pay for dental implants in one check, and most practices know it. What patients do not know, until they start calling offices, is which practices near them will actually set up a payment plan and which will hand them a total and a shrug. That information is scattered across thousands of practice websites, so Dental Implant Directory collected it.

The directory crawled the website of every implant practice it lists and recorded whether the site mentions patient financing, payment plans, or a named lender such as CareCredit. This post reports what it found, state by state and city by city, and what the pattern says about where a patient is likely to find help with the bill.

The headline is that 9,055 of 17,721 practices, or 51 percent, advertise financing on their website. Behind that average is a spread from 60 percent in Texas to 35 percent in Vermont, and a gap between practice types that is larger than the gap between states.

How was the data collected?

Dental Implant Directory lists 17,721 active implant practices across all 50 states and the District of Columbia. As part of its enrichment process, the directory crawled each practice's website and flagged the practice as offering financing when the site mentioned payment plans, third-party dental financing, or a named financing company. The flag comes from the practice's own public website, not from a survey and not from the directory's guesses.

That method has one important limit. A practice that offers financing but does not say so on its website is counted as unknown, not as no. So every figure in this post is a floor: at least this share of practices in a state advertise financing, and the true share that will arrange it on request is higher. The directory shows a financing badge on the listing of each practice where the crawl found it, so a patient can filter on the same data this study uses.

The numbers are from the September 2026 data pull.

Which states have the highest share of practices advertising financing?

Texas, by a clear margin among the large states, followed by Massachusetts, Maryland, Florida, and Idaho. The top of the table mixes big Sun Belt markets with a few small states where a handful of practices move the percentage.

Texas stands out because it is both the second-largest market in the directory and the state where practices are most likely to say so. Florida is close behind on both counts. Between them, the two states hold 1,469 practices that advertise financing, one in six of the national total.

Which states have the lowest share?

Vermont, Hawaii, West Virginia, Maine, and Mississippi. Every state in the bottom ten is either small, rural, or both, and several are in the Northeast, where practices tend to have older, more established patient bases and rely less on advertised payment plans to fill the schedule.

Colorado is the surprise on this list. It is a large market with 376 listed practices and a wealthy patient base, and only 43 percent of its practices advertise financing, well below Arizona at 54 percent and Utah at 52 percent next door. Colorado Springs is the lowest of the major cities in the study at 36 percent.

The other large states sit in the middle. California is at 51 percent, New York at 45 percent, Washington at 47 percent, and Pennsylvania at 52 percent. A patient in New York is noticeably less likely to see financing advertised than a patient in Texas, which matters because New York implant fees are among the highest in the country, as the state-by-state cost guide shows.

Which cities have the most practices advertising financing?

San Antonio and Houston lead the large cities, with Charlotte and Jacksonville close behind. The pattern follows the states: Texas and the Southeast high, the Northeast and Colorado low.

Seven in ten San Antonio practices advertise financing. In Colorado Springs, a city with a large military and retiree population, barely one in three does. A patient comparing the two would have a very different experience calling around, and the directory's city pages show the financing badge on each listing so the calling can be skipped.

Does the type of practice matter more than the state?

Yes. The spread between practice types is wider than the spread between most states, and it runs in a direction patients should know about.

Chains such as Aspen Dental and ClearChoice advertise financing on two thirds of their location pages, because financing is built into their model and their marketing. Independent practices with implant in the name are next, which fits: a practice that markets implants specifically is selling a large-ticket procedure and knows the monthly payment is part of the pitch.

Oral surgeons are the outlier at 36 percent. That is not because oral surgeons refuse payment plans. It is because most oral surgery practices are referral-based, their websites are written for referring dentists as much as for patients, and financing rarely makes the page. A patient referred to an oral surgeon for implants should ask about financing directly rather than assume the absence of a mention means no. The ratings-by-specialty study found a similar pattern in oral surgeons' online presence, where the parts of the visit that are not surgery tend to be less developed.

Do practices that advertise financing rate differently?

Slightly higher, among independent practices. Independents that advertise financing average 4.81 stars on Google against 4.73 for those where the crawl found nothing. Oral surgeons show the widest gap, 4.76 against 4.63. The most likely explanation is not that financing makes patients happier but that the practices with a well-built website, including a financing page, are also the practices with well-built systems elsewhere.

Chains run the other way. Chain locations that advertise financing average 4.39, below the 4.57 for chain locations that do not, which mostly reflects that Aspen Dental, the lowest-rated large chain in the directory's data, advertises financing at nearly every location. The chain versus independent ratings study covers the brand-level numbers.

What should a patient do with this?

Use the state and city numbers to set expectations, then use the listing badge to shortlist. In Texas, Florida, and the Southeast, most practices will have a financing conversation ready. In the Northeast, Colorado, and rural states, fewer will advertise it, and the patient should raise it at the first call.

1. Filter for the financing badge on the directory before calling. It reflects the same crawl this study used, so it is at least as current as the practice's own website.
2. Ask oral surgery practices directly. Two thirds do not mention financing online, and many still offer it.
3. Know the products before the consultation. The guide to CareCredit, LendingClub, and Proceed explains the difference between a medical credit card and an installment loan, which decides what the monthly figure looks like.
4. Compare the monthly figure, not the sticker. A practice that advertises financing may quote a higher total than one that does not, and the guide to how much dental implants cost explains what a complete quote includes.
5. Check the other levers. HSA and FSA funds and the guide to getting cheaper implants cover the options that do not involve a lender.

What does this mean for practices?

That half of the market is leaving the monthly payment out of its marketing, and that the half which includes it rates slightly better and is concentrated in the most competitive states. A practice in a low-share state that adds a clear financing page is doing something 60 percent of its neighbors have not. The practice guide to patient financing covers the lender waterfall and how to present it, and a verified listing carries the financing badge that patients filter on.

The Bottom Line

Across 17,721 implant practice websites, 51 percent advertise financing, with Texas leading the large states at 60 percent, Florida and North Carolina close behind, and Vermont, Hawaii, West Virginia, Maine, and Colorado at the bottom. Chains advertise it most, oral surgeons least, and the practice type predicts it better than the state does. Every figure is a floor, because a practice that offers financing without saying so online is counted as unknown. Use the directory's financing badge to shortlist, ask oral surgeons directly, and compare monthly figures rather than totals. And when you are ready, find qualified providers near you at Dental Implant Directory, where every listing shows whether the practice advertises financing.

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