For Patients · Financing
Good dentistry, on a livable schedule.
Treatment decisions should be about your mouth, not your month. So we work with third-party financing partners who split the cost of care into monthly payments.
Each partner sets its own terms and makes its own credit decisions.
How financing works here
You choose the treatment plan with Dr. Oh; the financing partner handles the application and the credit decision — not us. If approved, you know your monthly number before treatment begins.
Approvals, terms, and rates are set by each lender, never by our office. Our part is helping you apply and understand what the answer means.
Honest by design
Financing is presented here as an option, never a push. If phasing your treatment serves you better than borrowing, we say so.
Financing and the Sora Dental Savings Plan
Financing spreads the cost of treatment; the Sora Dental Savings Plan covers your preventive care for one monthly fee. The two can work together, and we'll show you how at your visit.
Common questions
Do you decide who is approved?
Will applying hurt my credit?
What are the rates?
Can I combine financing with the Sora Dental Savings Plan?
What if I'd rather not finance?
Our financing partners
Two partners today.
Each partner makes its own credit decisions and sets its own terms. We explain how each works — which to apply with, or whether to finance at all, is your call.
CareCredit
Rates can vary based on payment plan options, set by CareCredit
A healthcare credit card accepted at many practices. You apply with CareCredit once and use it for your care here. Call us and we'll send you the application link. Checking whether you prequalify uses a soft credit check that does not affect your credit score; CareCredit runs a hard credit check once you enroll.
- Promotional financing plans may be available, subject to credit approval by CareCredit
- One honest note: promotional “no-interest” plans typically charge retroactive interest if the balance is not paid by the deadline — we will point that out before you sign anything
- All rates and terms are CareCredit's, and rates can vary based on the payment plan option you choose
Cherry
Rates can vary based on payment plan options, set by Cherry
Modern payment plans — apply with Cherry from your phone in minutes. Call us and we'll send you the application link. The application uses a soft credit check that does not affect your credit score.
- Approval decisions and terms come from Cherry
- Promotional rates may be available for qualified applicants, subject to credit approval
From plan to payment
Four steps, each at your pace.
Plan treatment with Dr. Oh
The dentistry comes first. You and Dr. Oh decide what your mouth needs, and when.
Apply if it fits
We explain how CareCredit and Cherry each work; you decide whether and where to apply. The application is short, from your phone — call us and we'll send you the link.
Know your monthly number
The lender's decision comes back before anything begins — if approved, you know your monthly payment up front.
Begin when you're ready
Treatment starts on your schedule — not the calendar's, and not a lender's.
Call us with your financing questions.
Call (973) 808-4373 — we'll explain the options plainly, and never push you toward one.