Flexible Dental Financing in Lexington, SC

Why Cost Shouldn’t Keep You From the Care You Need

Dental care is an investment in your long-term health, but cost concerns stop too many people from getting the treatment they need. Whether you’re facing a restorative procedure, a cosmetic upgrade, or simply want to get your family back on a consistent care schedule, the question of how to pay for it shouldn’t be the thing standing in your way. At Lexington Family Smiles, we’ve made it a priority to offer financing options that work for a wide range of budgets. Our practice is built around comprehensive family care, and that means making sure cost isn’t a reason anyone in your household puts off treatment. Through our Dental Savings Plan and multiple third-party financing partners, we’ve created a financial pathway for nearly every situation.
4.9★
Average Google Rating
700+
Google Reviews
3
Financing Partners Available
$0
Down Payment Required to Apply

Why Accessible Financing Matters

The reality is that dental care carries some of the highest financial barriers of any healthcare category. According to the American Dental Association’s Health Policy Institute, 17% of working-age adults in the United States reported not obtaining needed dental care due to cost in 2022. When care gets delayed, small issues tend to grow into larger and more expensive ones, making early access to flexible payment options genuinely important for your oral health. We partner with trusted financing providers so you can move forward with treatment on a timeline and payment structure that makes sense for you.
1
Apply in Minutes
Complete a quick application with one of our three financing partners — most decisions are instant and require no hard credit check.
2
Review Your Options
Our front desk team walks you through the available plans, repayment timelines, and any promotional periods so you can choose with confidence.
3
Choose a Monthly Plan
Select monthly installments that fit your budget. Most plans require no money down and spread treatment costs into predictable payments.
4
Start Your Treatment
Once your financing is in place, you can move forward with care right away — no waiting, no delay.

Our Financing Partners

We currently offer three third-party financing options, each designed for a different type of patient. Here is what each provider offers.

CareCredit
A dedicated healthcare credit card with promotional deferred-interest periods. Apply online or in our office for a fast credit decision. Best for patients who want a revolving credit line for dental and medical expenses.
Cherry
A fast digital application with flexible monthly payment plans and high approval rates across a broad range of credit profiles. No hard credit check to see your offer. Best for patients who want installment-based payments.
Sunbit
A technology-forward platform with high approval rates and a soft credit check. The application takes minutes and gives you a clear picture of your options before you commit. Best for patients who want simplicity and speed.

All three partners can be applied for quickly, and our front desk team is available to walk you through each option before you decide. Each provider has its own terms, repayment timelines, and eligibility requirements, so we encourage you to ask questions during your visit.

Financing and Insurance Together

If you carry dental insurance, financing and your benefits can often work in tandem. Insurance typically covers a portion of eligible procedures, and a financing plan can help you manage whatever balance remains after your benefits are applied. We’ll review your coverage with you ahead of time so you have a clear understanding of your out-of-pocket cost before any financing decision is made.

Ready to Move Forward With Your Treatment?
Our team at Lexington Family Smiles is here to help you find a payment plan that fits. Schedule an appointment and we’ll walk you through your options.

No Insurance? We Have an In-House Option

For patients without dental coverage, our Dental Savings Plan offers a straightforward alternative to traditional insurance. With no waiting periods, no deductibles, and no claim forms to navigate, the plan provides access to preventive services and discounts on additional treatments at a predictable annual cost. It was designed with uninsured patients in mind, and it’s one of the ways we make sure every patient has a practical path to consistent care.

Lexington Family Smiles: Dentistry Built for Your Whole Family

At Lexington Family Smiles, we’ve earned a 4.9-star rating across more than 700 Google reviews by treating every patient the way a neighborhood practice should — with attention, honesty, and care that extends beyond the chair. Our team provides comprehensive dentistry for patients of all ages, from children’s first cleanings to restorative and cosmetic work for adults, all under one roof. We believe the financial conversation should be just as comfortable as the clinical one, and our team is committed to helping you find a solution that works.