The Problem: Dental Care Is Expensive. Credit Checks Are a Barrier.
Dental care in South Florida — especially orthodontics, implants, and cosmetic procedures — can cost thousands of dollars. For many families in Hialeah and Miami Gardens, that's simply not money they have on hand. And traditional financing options often require a credit check, which can be a barrier for people with limited or damaged credit history.
At Cool Smilez Family Dentistry, we believe that everyone deserves quality dental care — regardless of their credit score or financial situation. That's why we offer in-house financing with no credit check required.
What Is No Credit Check Dental Financing?
No credit check dental financing is exactly what it sounds like: a payment plan for dental treatment that doesn't require a credit check to qualify. Instead of going through a bank or third-party lender, you work directly with the dental office.
At Cool Smilez, our in-house financing works like this:
- You pay a down payment at the start of treatment (amount varies by treatment)
- The remaining balance is split into affordable monthly payments
- No credit check — everyone qualifies regardless of credit history
- No interest on in-house payment plans
- You can combine with insurance to reduce your out-of-pocket cost
Who Qualifies for No Credit Check Financing?
Everyone. That's the whole point. Whether you have excellent credit, poor credit, no credit history, or have filed for bankruptcy in the past — you qualify for our in-house financing. We don't run credit checks, and we don't turn anyone away based on their financial history.
The only requirements are:
- You're a patient at Cool Smilez (new patients welcome)
- You agree to the payment plan terms
- You make your monthly payments as agreed
How Much Are the Monthly Payments?
Monthly payments depend on the total cost of your treatment and your down payment. Here are some examples:
| Treatment | Total Cost | Example Monthly Payment |
|---|---|---|
| Braces (1 person) | $2,988.88 | From $99.88/month |
| Braces (2 people — Bring a Friend) | $4,988.00 | From $149.88/month |
| Dental Implant | From $2,988.88 | From $99.88/month |
| Teeth Whitening | $168.88 | Pay in full or split into 2–3 payments |
| Crown | $800.88–$1,200.88 | From $75.88/month |
During your consultation, we'll show you several payment plan options so you can choose what fits your budget. We'll never start treatment without your full understanding and agreement on the payment terms.
Can I Use Insurance AND a Payment Plan?
Absolutely! In fact, this is how most of our patients pay for treatment. Here's how it works:
- We verify your insurance benefits before treatment begins
- Your insurance pays its portion directly to us
- You finance the remaining balance through our no-credit-check payment plan
- This significantly reduces your monthly payment
For example, if braces cost $2,988.88 and your insurance covers $1,500, you'd only need to finance $1,088.88 — making your monthly payments even more affordable.
We accept all major insurance: Medicaid, CHIP, Delta Dental, Cigna, Aetna, MetLife, United Healthcare, Humana, Guardian, BlueCross BlueShield, and more. See our full insurance list →
What About Third-Party Financing Like CareCredit?
Some dental offices offer third-party financing through companies like CareCredit or Lending Club. These can be good options, but they do require a credit check and approval is not guaranteed. Interest rates can also be high if you don't pay off the balance within the promotional period.
Our in-house financing is different: no credit check, no interest, no third party. You work directly with us, and we work with your budget.
Dental Care You Can Afford — Starting Today
At Cool Smilez in Hialeah and Miami Gardens, we've helped hundreds of families get the dental care they need through our no-credit-check financing program. From braces for kids to implants for adults, we make it possible for everyone to afford quality dental care.
Don't put off dental treatment because of cost. The longer you wait, the more expensive problems can become. A small cavity today can become a root canal tomorrow. Crooked teeth that could be fixed with braces now may require more complex treatment later.
Ready to get started? Book a free consultation at Cool Smilez in Hialeah or Miami Gardens. We'll discuss your treatment options, verify your insurance, and show you exactly what your monthly payments would be — no obligation. Book your free consultation →
Frequently Asked Questions
Does applying for financing affect my credit score?
No. Our in-house financing does not involve a credit check of any kind, so it has no impact on your credit score.
What happens if I miss a payment?
We understand that life happens. If you're having trouble making a payment, contact us as soon as possible. We'll work with you to find a solution. We want to help you complete your treatment, not create additional stress.
Can I pay off my balance early?
Yes! You can pay off your balance at any time with no prepayment penalty.
Do I need to be a current patient to get financing?
No — new patients are welcome! Book a free consultation and we'll discuss your treatment options and financing at the same appointment.
Is financing available for all treatments?
Yes, our no-credit-check financing is available for all dental treatments at Cool Smilez, including braces, implants, crowns, whitening, and more.