Dental Implant Financing — Charlotte, NC
Cost is rarely the reason you can’t move forward
Harrell Dental Implant Center works with three financing partners — Happen Bank, Cherry Payment Plans and CareCredit — covering every procedure type and every budget. Your actual monthly number is built at the free consultation, based on your specific treatment plan.
Find Out Before You Decide You Can’t Afford It
Here’s how you make it happen
The cost guide shows you the numbers. The consultation shows you what those numbers look like as a monthly payment — for your specific treatment, at a term that fits your life. Most patients are surprised by how workable it turns out to be.
Payment options are available for every procedure we offer, from a single implant to a full-arch All-on-X restoration.
Prequalifying is a soft credit check. You see the plans and monthly figures you’re eligible for before making any commitment.
Any applicable dental or medical benefits are applied to your total before financing. You only finance what’s left — which often changes the monthly figure significantly.
Most patients take time to review their options before deciding. That’s expected and encouraged. The consultation is information — not a sales close.
Three partners — one for every procedure type
Not every financing option is designed for every treatment cost. We offer three partners specifically because they serve different needs.
All three partners offer a prequalification process that does not affect your credit score. At your consultation, the team will walk you through the options that apply to your treatment plan.
Three steps from where you are now to a payment plan in place
From your first call to a scheduled treatment date, every step is straightforward — and there’s no financial commitment until you’re ready.
Free Consultation and Exact Pricing
Dr. Harrell reviews your situation, takes a 3D CBCT scan, and builds a treatment plan with specific pricing for your case. This is the only way to get numbers that are actually relevant to you. No payment is due at the consultation.
Prequalify for Financing — No Credit Impact
Once you have your treatment plan, we run a prequalification through Happen Bank, Cherry or CareCredit — depending on your procedure. You see the plans you qualify for, including monthly payment figures based on your actual approval, before committing to anything.
Choose Your Plan and Schedule Treatment
When you’re ready, the application takes minutes and approval is same-day for most patients. Your treatment is scheduled, and your payment plan begins after your procedure date — you’re not paying for something before you’ve received it.
Common Questions About Dental Implant Financing
Not necessarily. Happen Bank, Cherry and CareCredit all work with a range of credit profiles, and there may be options available even if your credit isn’t strong. Cherry approves up to 90% of applicants across a wide range of credit profiles. The prequalification step is the honest way to find out what you’re eligible for — it’s a soft check that shows you real options without affecting your score.
Yes. If you have dental or medical insurance that covers any component of your treatment — extractions, bone grafting, or a portion of the implant itself — that’s applied to your cost before financing is calculated. You finance the remaining balance. Our team coordinates your benefits as part of the consultation process so you know your actual out-of-pocket number before you decide anything.
That depends on your specific treatment plan, the financing term you choose, and your credit approval. Monthly payments vary widely based on those three factors — which is why the consultation is where your real number gets built. There’s usually more flexibility in the term and structure than patients expect before they ask.
No. The consultation — including 3D imaging, your personalized treatment plan, exact pricing, and a full financing walkthrough — is completely free. No commitment is required and there’s no pressure to decide the same day.
This occasionally happens with single-lender financing, particularly for full-arch cases. It’s one of the reasons we offer three financing partners — if CareCredit’s approval doesn’t cover your full cost, Cherry’s higher loan amounts and longer terms often bridge the gap. We work through these scenarios at the consultation so you’re not surprised after the fact.