Dental Financing: How to Choose the Right Option

Needing dental work is common. Figuring out how to pay for it? That’s where many patients get stuck. At CarolinasDentist, we never want finances to be the reason you delay your care. That’s why we offer flexible financing through CareCredit and Sunbit—two trusted options designed to help you get the treatment you need, when you need it.

But how do you know which one fits your situation best? Let’s take a closer look.

What is CareCredit?

CareCredit works a bit like a credit card designed just for healthcare expenses. You apply once and, if approved, can use it for dental services (and even for other types of health care, too).

CareCredit offers:

• Short-term financing options: Like 6 or 12 months, often with no interest if paid in full during the promo period.

• Longer-term plans: With fixed monthly payments and competitive interest rates.

• A revolving line of credit: You can use again for future care.

CareCredit is a good fit for patients who:

• Want a card they can use over time

• Prefer structured payment options

• Need flexibility for recurring or future care

Keep in mind: approval depends on your credit, and it functions like a traditional credit card.

What is Sunbit?

Sunbit offers a more streamlined financing option. The approval process is fast, with no hard credit check to apply—so there’s no impact on your credit score just for checking eligibility.

Sunbit offers:

• Quick approval in minutes

• Flexible terms: With 3 to 12-month plans

• Automatic payments: To keep things simple

• Higher approval rates: Even for those with limited or fair credit history

Sunbit may be a great choice if:

• You’re looking for a straightforward payment plan

• You’ve had trouble qualifying for traditional credit cards

• You want a fast, low-hassle option right at the point of care

How to Decide Between CareCredit and Sunbit

Still unsure? Think about your needs:

• Do you want to finance future dental visits too? – CareCredit might be the better fit.

• Do you need something simple, right now, with easy approval? – Sunbit could be your best bet.

• Is interest-free important? – CareCredit offers promotional periods, which can save money if paid off on time.

• Want to avoid hard credit inquiries? – Sunbit doesn’t use them to approve you.

You can also talk with our team at any visit. We’re happy to walk through your options and help you apply—right from the office.

Flexible Dental Financing at CarolinasDentist in North Carolina

Whether you choose CareCredit, Sunbit, or want to explore both, our team at CarolinasDentist is here to walk you through your options. With 14 locations throughout North Carolina, we’re committed to making quality dental care accessible—and that includes helping you fit it into your budget.

Whether you’re planning for preventive care, a dental procedure, or a full smile makeover, we’ll help you find the best way to make it work—comfortably and confidently. Ready to explore your options? Give us a call or ask us about financing at your next visit. Because your smile matters—and getting the care you deserve shouldn’t have to wait.