Our Financial Partners

Each partner offers a different pathway so you can choose what fits your budget and comfort level. Our team will help you select the best option for your treatment plan.

 

Provider	Best For	Highlights
Cherry	Routine to moderate treatments; fast, phone‑friendly checkout	Our First Choice!, Soft credit check only (no impact to score), Flexible 3–60 month terms, approvals as low as 520
CareCredit	Moderate to larger plans with a promotional period	Recognized Nationwide and Widely Accepted, Has special Promotion for Clear Aligners
Lending Club	Comprehensive or multi‑procedure treatment plans	Good for Larger Amount and has structured loan approach

 

 

Cherry Payment Plans

• Our first choice
• Soft credit check only (No impact to score)
• Approval as low as 520
• Instant decisions; apply from your phone
• Promotional 0% APR periods for qualified applicants
• Flexible 3–60 month terms
• No prepayment penalties — pay off anytime

 

 

CareCredit

• Soft credit check for prequalification
• Has special Promotion for Clear Aligners
• Healthcare credit card trusted nationwide
• Promotional 0% APR periods for qualified applicants
• Use for dental and other healthcare expenses
• No prepayment penalties — pay early with no extra cost

 

Lending Club Patient Solutions

• Soft credit check for prequalification
• Fixed monthly payments and clear terms
• Promotional 0% APR periods for qualified applicants
• Longer repayment options for larger cases
• No prepayment penalties — pay off when you’re ready

 

Proceed Finance

• We partner with Proceed Finance for larger, full-mouth treatments such as All-on-X implant cases.
• This program allows patients to finance comprehensive care
• — even when treatment involves both Rapha Dental and collaborating oral surgeons — through one convenient payment plan with a single lender.

 

 

 

 

 

 

Frequently Asked Questions

Do you offer 0% interest options?

=> Yes. Promotional 0% APR options are available for certain terms for qualified applicants. We’ll review the terms and eligibility with you before you apply.

Will applying affect my credit score?

=> Cherry uses a soft credit check only and won’t affect your credit score. CareCredit and Lending Club uses soft credit checks for pre-qualification but they will pull hard credit when you proceed with final application.

Which option is right for me?

=> It depends on your treatment size, preferred monthly payment, and credit profile. We’ll walk you through each option and help you choose the best fit.

Can I switch plans later?

=> Some providers may allow refinancing or early payoff without penalty. We can discuss your options if your situation changes.