Cosmetic dentistry · up to $50,000

Veneer payment plans

A full smile makeover is priced per tooth — and Cherry Payment Plans lets you finance all of them at once. Soft credit check, 0% APR up to 24 months for qualifying patients, or up to 60 months for the lowest monthly payment.

Apply for $200–$5,000 See cost by number of veneers

Patient smiling during a cosmetic dentistry consultation

Six veneers$300/mo$7,200 · 24 mo · 0% APR

Smile makeover matrix

Cost by number of veneers

Porcelain veneers at a typical $1,200 per tooth. The 24-month column assumes a qualifying 0% APR plan; 48 and 60 months assume 9.99% APR.

Veneers	Total	24 mo · 0%	48 mo · 9.99%	60 mo · 9.99%
4 veneers	$4,800	$200per month	$122per month	$102per month
6 veneers	$7,200	$300per month	$183per month	$153per month
8 veneers	$9,600	$400per month	$243per month	$204per month
10 veneers	$12,000	$500per month	$304per month	$255per month

Down payment of about one monthly payment at checkout. Composite veneers cost roughly 40% of these figures. Run your own quote →

Porcelain vs composite

Two materials, two budgets

Porcelain

$1,200per tooth

Lifespan: 10–15 years
Visits: 2–3 (lab-made)
Stain resistance: High
8 veneers: $400/mo · 24 mo · 0%

The standard for full smile makeovers — and where financing makes the biggest difference.

Composite

$500per tooth

Lifespan: 5–7 years
Visits: 1 (chairside)
Stain resistance: Moderate
8 veneers: $167/mo · 24 mo · 0%

Lower cost and same-day, often financed with Pay-in-4 or a 12-month plan.

The process

Consult to bonded in four visits

1Consult and digital smile design. Get the per-tooth quote and apply — about a minute, soft credit check.

2Choose your term and pay the down payment. Your dentist is funded in 2–3 business days.

3Prep and temporaries. Lab fabricates your porcelain veneers (1–2 weeks).

4Bonding day. Pay monthly from the portal; pay off early any time with no fee.

Cosmetic, no problem

Elective care is what Cherry is built for

Insurance rarely covers veneers, which is exactly why patients finance them. There's no "medical necessity" requirement — if your dentist offers Cherry, the quote can be financed.

Soft credit check, no minimum score
True 0% up to 24 months; longer terms from 5.99% APR
Approval tied to your dentist, valid 30+ days
No prepayment penalty

Check your veneer financing offer

Veneer FAQ

Before your smile design

How much do veneers cost per tooth?

Porcelain veneers average $900–$1,500 per tooth in the US; composite veneers $400–$700. A typical smile makeover of 6–10 porcelain veneers runs $7,200–$12,000.

What's the monthly payment on 8 veneers?

Eight porcelain veneers at $9,600 is about $400 per month on a 24-month 0% plan, $243 per month over 48 months at 9.99% APR, or $204 per month over 60 months.

Can I finance veneers if they're cosmetic?

Yes. Cherry is built for elective care — cosmetic dentistry, aesthetics and plastic surgery are financed exactly like medical treatment.

Do I need a down payment?

Usually one monthly payment at checkout. On a $400/month plan, that's $400 the day your veneers are bonded.

What if I want to add more veneers later?

Use any remaining approval within the 30-day window, or reapply — each application is a soft check with no impact on your score.

Is the 0% plan really interest-free?

Yes. Cherry's 0% plans are true 0% with no deferred interest. If you finish on time you pay only the price of the veneers.