A Practical Guide to Patient Financing for Implant Practices

If you only offer one financing option, you will lose cases. Patients walk in with a wide spread of credit profiles, and a stacked financing menu is the single highest-leverage change most implant practices can make.

CareCredit

Best for: prime credit patients seeking promotional financing on cases under $25,000. Brand recognition is the highest in the category, which lowers patient friction at the consult.

LendingClub Patient Solutions

Best for: full-arch and full-mouth cases up to $50,000. Extended-term loans with no recourse to the practice. Stronger fit for higher-ticket plans where CareCredit limits run out.

Proceed Finance

Best for: credit-challenged patients and second-look approvals on declines from prime lenders. Critical for recovering cases that would otherwise be lost.

How to stack them

Run every patient through the prime lender first, then automatically route declines to the second-look option. Train front-office staff to present financing as a normal, expected part of the consult — not as a fallback.