Flexible Financing for Your Dental Care

At Clearwater Dentist, we believe that everyone deserves a healthy and confident smile. We are committed to making high-quality dental care accessible and affordable. That's why we offer a variety of financing options to fit your budget and needs.


We have partnered with leading financing providers to offer you flexible payment plans. Explore your options below to find the perfect fit for you.


For Patients with Good to Excellent Credit

These options are ideal for patients with established credit who are likely to be approved for the most favorable terms and interest rates.


  • Lending Club: A great option for those with good to excellent credit. They offer competitive interest rates and you can pre-qualify without impacting your credit score. They have a high approval rate for larger treatment plans.
  • Target Credit Score: 600 or higher.


  • CareCredit: A widely accepted healthcare credit card. It's a good choice for patients with fair to good credit.
  • Target Credit Score: Typically 620 or higher.

For Patients with a Wider Range of Credit Scores

These providers offer more flexible approval requirements, making them a good choice for a broader range of patients.


  • Alphaeon: Known for strong approval rates and higher credit lines. They offer a pre-qualification option that doesn't affect your credit score.
  • Target Credit Score: They use multiple factors, not just a credit score, for approvals.


  • Cherry: This is an excellent choice for patients who may have a less-than-perfect credit history. They use a unique approval process that looks beyond just the credit score and the application process will not affect your credit score.
  • Target Credit Score: No minimum credit score is required.


For Patients with Low or No Credit

These options are designed to help patients who may have been turned down for other financing options.


  • SunBit: With a very high approval rate (around 90%), SunBit is a fantastic option for nearly all patients, including those with low credit scores or no credit history. The application process is fast and does not impact your credit score.
  • Target Credit Score: Approvals are possible with scores of 500 and above, and even with no credit history.


  • HFD (Healthcare Finance Direct): HFD is dedicated to helping patients get the care they need, regardless of their credit history. They have a nearly 100% approval rate. The application is a "soft" inquiry, so it won't affect your credit.
  • Target Credit Score: All credit scores are considered, from "deep subprime" to prime.

Ready to Discuss Your Options?

We understand that navigating financing options can be confusing. Our dedicated team is here to help you understand the terms, compare your pre-qualified offers, and find the perfect payment solution for your dental needs.


Call us today at (727-285-8132) to schedule a consultation or speak with our financial coordinator. We'll ensure you have all the information you need to move forward with confidence.