Implant Financing in Kansas City
Financing as low as $192/month with flexible payment options for any budget. Contact us today to explore financing solutions.
Cost of Implants with Financing
Here are some common financing examples. Note that actual payments vary depending on the financing term, your credit approval, and the total cost of treatment.
Single Tooth Implant Financing
Cost: A single tooth implant can cost between $3,000 to $5,500.
Cost with Financing: As low as $192/month.
All-on-4 Implant Financing
Cost: All-on-4 implants range from $20,000 to $30,000 per arch.
Cost with Financing: As low as $525/month.
Ready For A Personalized Quote?
Know exactly how much you’ll pay each month with our free consultation.
- Meet with Dr. Kerns.
- Share your dental history and goals.
- Receive an oral exam and any necessary imaging.
- Review a personalized treatment plan.
- Discuss financing options unique to your needs.
Get clarity on financing by scheduling your consultation today.
Your Dental Implant Financing Options
Third-Party Lenders (Recommended)
The most popular way to finance dental implants is through third-party lenders. Common options include Cherry, Proceed Finance, CareCredit, and LendingClub.
From our experience, Cherry Financing stands out as the best option thanks to its quick approvals and flexible terms.
In-House Financing Plans
Some dental implant centers manage financing directly instead of using a third party. This was once valued for its simplicity. Today, easier and more flexible third-party options are replacing most in-house plans.
Personal Loans
A personal loan from a bank can offer better loan terms for bigger treatments like full-mouth implants and can also be used for payments beyond dental care. However, the application process takes longer and interest rates may be higher for simpler options like a single tooth implant.
Dental Loans
Dental loans are designed for dental procedures, with loan amounts that often stretch across longer terms, making monthly payments lower. However, these longer terms can come with higher interest rates, especially for larger treatments like implants.
Healthcare Credit Cards
Specialized medical cards, such as CareCredit, can be useful if you have multiple types of medical payments, like tooth extractions and vision care. Many offer a promotional period with deferred interest, but high rates can apply once that period ends.
FSA & HSA Accounts + Financing
Flexible spending accounts and HSAs aren’t financing, but they can be combined with financing and dental insurance plans to reduce out-of-pocket costs for dental care, including implants.
Major Credit Cards
Credit cards make paying for dental work convenient with no extra application or hard credit check. The drawback is high interest rates, which can add up quickly if not paid off.
Home Equity Loans
A home equity loan can be a financing solution with lower interest rates for large loan amounts, making it appealing for major treatments like cosmetic dentistry or full-mouth implants. The drawback is that it’s secured by your house and comes with a longer application process than other options.
How to Choose the Best Financing Option
Check Your Finances
Credit score, history, and budget all matter. Knowing these upfront makes finding the best financing option easier.
Get Multiple Quotes
By comparing quotes, you can see which provider offers the best mix of quality and cost.
Compare Lending Options
Once you choose a dentist, work with the dental office to find the best financing option for your needs.
Factors to Consider Along With Price
Lifetime Guarantee
Dr. Kerns is one of Kansas City’s only implant specialists offering a lifetime warranty.
One Price
With us you receive one transparent, all-inclusive price.
Free Maintenance
Enjoy added peace of mind with a full year of free implant maintenance.
Implant Financing FAQs
Check out these frequently asked questions, or call us to speak with our team.
Can I get dental implants with bad credit?
You can finance implants with bad credit, though it may come with less flexible terms. Call our office to see what financing options may be available for your unique situation.
What credit score do you need for dental implants?
Most financing providers look for a credit score of around 600 or higher, with excellent credit qualifying for the best rates and flexible payment plans.
Does insurance cover dental implants?
Insurance coverage varies by plan, but many cover a portion of the dental implant procedure. Financing can help with the remainder.
How much should I pay for a down payment on dental implants?
Down payment requirements vary by lender and your credit profile. Some financing options require little to no money down, while others may ask for 10–30% of the total implant dentistry cost.
Our Leawood Dental Office
Our dental office is located in Leawood, just across from AMC Town Center in Park Place. We’re just a short drive from the 435 and Nall exit, making it easy for patients from Overland Park, Prairie Village, Mission Hills, and other nearby Kansas City communities to experience convenient, high-quality dental care.
Phone:
Hours:
Monday – Thursday: 8am-5pm
Friday: 8am-3pm
Saturday: 8am-1pm (By Appointment)