In order to maintain our high standard of service, we require that payment is made at the time services are rendered. Scroll through our payment & financing options below.
Payment Options
Standard Payment Options
Cash
Check (with valid ID)
Debit Card
MasterCard
Visa
American Express
Discover
Bento Membership Plan
No insurance? The Bento Membership Plan is a simple, affordable way to keep your smile healthy year-round without the stress of insurance claims or hidden costs.
For $360 per year, your plan includes:
- 2 routine checkups (every six months)
- All necessary X-rays
- 2 basic cleanings
- 15% off any additional dental services you may need throughout the year
The Bento Plan is a great option for individuals and families who want consistent preventive care and reliable savings.
Ask our team how to enroll in the Bento Membership Plan at your next visit and start enjoying affordable dental care today.
Insurance Options
We want you to get the most out of your budget, so we work with your insurance provider to ensure you get the best coverage available to you.
We are a Preferred Provider (PPO) for many dental insurance companies, including children’s Medicaid. If you need assistance or have questions about your insurance policies or claims, our staff is knowledgeable and always available to help you.
Contact us to find out if we’re a provider of your insurance!
Financing Options
CareCredit: When unexpected illness/injury strikes, unexpected expense strikes as well. We understand this and therefore accept payment through the CareCredit program. It takes just 5 minutes to complete an application and will allow you to break down your payment into 6 monthly installments. You can apply yourself online at CareCredit.com/apply.
Get Care Now, Pay Later
With Cherry & Ideal Smiles Family Dentistry
Let your money go further and take better control of your cash flow when you pay over time in smaller installments with Cherry.
- Quick Application
- No Hard Credit Check
- Flexible Payment Options
- High Approval Rate
ApplyCherry Consumer Portal
How It Works
Choose from a range of monthly payment plans, with qualifying 0% APR options. Applying is simple and does not impact your credit score. If you’re approved for financing, you can use your funds immediately. Manage your payment options using Cherry’s self-serve consumer portal.
Frequently Asked Questions
What is Cherry?
Cherry is a buy now, pay later company making it fast and easy to pay for health and wellness purchases over time.
How long is my approval valid for?
Approvals are valid for 60 days. Once that time period expires, you are welcome to reapply.
Can I increase my approval amount?
If you are eligible for an increase, you may request this through the Cherry Consumer Portal. Increased approval amount and decision are subject to eligibility. If you do not see the button to “request an increase,” it means you are ineligible for an increase at this time.
Can I pay this off early?
Yes, Cherry does not have any prepayment penalties. If you have interest and pay off early, you’ll even avoid some of that interest.
Does my 0% APR offer expire?
No, if you’re eligible for a 0% APR offer, it doesn’t expire for the current approval. For example: If you were approved for a 6 month term with 0% APR, this promotion is valid until the end of term as long as you stay current with your payments.
How much is my down payment and when is it due?
Once you input your purchase price, you’ll be provided with the options you have for down payment. It is due when the provider confirms they will need the funds in order to move forward with your services. Remember to bring your bank issued debit or credit card* when you are ready for checkout.
*Making payments via Credit Card will result in a 2.99% processing fee. There is no processing fee for making a down payment with a traditional bank-issued Debit Card.
How are refunds handled?
To request a refund, please contact Ideal Smiles Family Dentistry directly.
We defer to the refund policies put in place by Ideal Smiles Family Dentistry and cannot initiate a refund without their approval.
Once Ideal Smiles Family Dentistry authorizes a refund we will deposit the refunded amount (full or partial) into your account. Your Cherry account status and loan balance are adjusted accordingly.
If a partial refund is issued, your loan amount will be adjusted to reflect your new remaining balance. If a refund is issued in full, any payments made on your loan will be returned to you.
Does Cherry report to the credit bureaus?
Yes, Cherry may report the status of our borrowers’ accounts to Equifax, one of the major credit bureaus.
Can missing payments on my account with Cherry hurt my credit?
Cherry is required to report all payment history to the credit bureaus. This means we may also report late payments, missed payments, or other delinquencies on your account to the credit bureaus.
More questions?
Visit Our Help Center
Payment options through Cherry Technologies, Inc. are issued by the following lending partners: withcherry.com/lending-partners. See withcherry.com/terms for details. Iowa only: Borrowers are subject to Iowa state specific underwriting criteria. APR for all Iowa borrowers is capped at 20.99%.
Copyright © 2020-2025 Cherry Technologies Inc. NMLS #2061234, 2 Embarcadero Center, 8th Floor, San Francisco, CA 94111. Accessibility
