Smiling patient relaxing at home after dental implant treatment

Single implant$146/mo$3,500 · 24 mo · 0% APR

Most financed dental treatment

Dental implant payment plans

From one tooth to All-on-4, Cherry Payment Plans spreads the full implant quote — surgery, abutment and crown — over 3 to 60 months. Soft credit check, approvals up to $50,000, true 0% APR for qualifying patients.

Apply for $200–$5,000 Calculate your implant payment

What you're paying for

Anatomy of a $3,500 implant

A single-tooth implant is three billable parts. Knowing the split helps you compare quotes — and shows why financing the whole plan beats paying piece by piece.

Implant post

Abutment

Crown

Implant post & surgery$1,800

Abutment$500

Porcelain crown$1,200

Typical all-in quote$3,500

Why finance the whole plan at once

Implant treatment is staged over 3–6 months. Paying each stage separately means three checkouts and three down payments. One Cherry plan locks the full amount at the start, so every stage is already covered when you walk in.

One application, one monthly payment
Extractions and bone grafts can be included
Approval valid 30+ days — long enough to schedule surgery
Pay off early when insurance reimburses — no fee

Pick a term

$3,500, three ways to pay

Fastest payoff

$292/mo

12 months · 0% APR · $3,500 total

True 0% — no deferred interest
Done before your final crown check
About one payment due at checkout

Most chosenBalanced

$146/mo

24 months · 0% APR · $3,500 total

Longest 0% term most practices enable
Pay-off any time with no penalty
Reported monthly to all three bureaus

Lowest payment

$80/mo

60 months · 12.99% APR · ≈ $4,780 total

For multi-implant or full-arch cases
Rate set at approval (from 5.99%)
Interest shown in full before you accept

Try a different amount or term

Bigger cases

From one tooth to a full arch

Two implants

$7,000

$292/mo over 24 months at 0%, or $159/mo over 60 months at 12.99%.

Implant-supported bridge

$9,500

$396/mo over 24 months at 0%, or $216/mo over 60 months at 12.99%.

All-on-4, one arch

$24,000

$1,000/mo over 24 months at 0%, or $546/mo over 60 months. Both arches fit within the $50,000 dental cap.

Before you apply

What you need to qualify

18 or older and a US resident
A mobile number — your checkout link and login code arrive by text
A bank-issued debit or credit card for the down payment (no prepaid cards)
No minimum credit score — here's what the soft check actually looks at

Dental practices typically enable approvals up to $50,000. Your amount appears about a minute after you apply, and nothing is reported to the bureaus until you accept a plan.

Check your implant financing offer

Implant FAQ

Common questions

How much does a dental implant cost with financing?

A single implant with abutment and crown averages $3,500 in the US. On a qualifying 24-month 0% APR plan that's about $146 per month; over 60 months at 12.99% APR it's about $80 per month.

Can I finance All-on-4 or full-mouth implants?

Yes. Dental practices on Cherry can approve up to $50,000, which covers a full arch ($20,000–$28,000) or both arches. Longer terms up to 60 months keep the monthly payment manageable.

Does the plan cover extractions and bone grafts?

Your approval can be used for the full treatment plan your dentist bills through Cherry — extractions, grafting, the implant, abutment and crown — as long as the total stays within your approved amount.

Implants take months. Does my approval last that long?

Approvals are valid for at least 30 days. Most practices check out the full plan at the start so the funds are locked in; if your case is staged, you can reapply for a later phase with another soft check.

Will financing hurt my credit score?

No — applying is a soft inquiry. Once the plan is active, on-time payments are reported to all three bureaus and can help your history.

Can I pay it off when insurance reimburses me?

Yes, any time, with no prepayment penalty. Many patients pay off the plan after a dental insurance reimbursement arrives.

Patient reviewing an implant treatment plan with a coordinator

Up to $50,000 for dental

Lock in the full treatment plan today

Soft credit check, decision in about a minute, and your dentist is paid up front so surgery can be scheduled right away.

Apply for $200–$5,000 Compare with CareCredit