Aspen Dental offers financing through CareCredit, which is a credit card specially designed for medical, dental and veterinary care, notes CareCredit.com. The advantages of CareCredit include promotional financing options that reduce the cost of dental care and the ability to make convenient monthly payments for dental work instead of paying a large sum up front. However, some cons of CareCredit include multiple complaints about its customer service and unfair late charges, as noted by ConsumerAffairs.com.
CareCredit cards can be used for dental treatments, checkups, cleaning and root canals or for cosmetic procedures such as dental implants, ceramic crowns, veneers and whitening treatments, notes CareCredit.com. In addition, the card can be used to pay medical insurance deductibles and copayments.
A big advantage of dental financing with CareCredit is that it offers short-term financing options, notes CareCredit.com. These include six, 12, 18 and 24 months of interest-free use for expenses of $200 or more as of 2015. To quality for financing under special terms, the cardholder needs to make minimum monthly payments and pay the total amount due before the end of the promotional period. Longer-term financing for expenditures of $2,500 or more is available for up to 60 months at a 14.9 percent annual percentage rate or up to 48 months on expenditures up to $1,000.