Financing
Financing Your Procedure in Lawrenceville, GA
Our Easy, Affordable Financing Options
At Optima Dental, you’ll get exceptional dental care at an affordable price. We do everything we can to make the process as easy as possible. Our staff will work with you to make sure you get the care you need without busting your budget.
Dr. Helios Houenou offers financing options to make dental care an affordable option for all our patients. We work with different lenders who specialize in providing affordable financing for medical care: Cherry and CareCredit.
CareCredit provides low-interest and interest-free financing options to help pay for out-of-pocket dental expenses for the whole family. Applying online is easy, and you’ll see if you qualify within seconds.
There are no upfront costs, annual fees, or prepayment penalties with CareCredit. They’ll work with your budget to determine which monthly payment plan will work best for you.
Buy Now. Pay Monthly. Let your money go further and take better control of your cash flow when you pay in smaller, more manageable monthly installments with Cherry.
Quick Application
Flexible Payment Options
No Hard Credit Check
High Approval Rate
How It Works
Choose from a range of monthly payment plans with some qualifying for 0% APR options. Thanks to Cherry’s fast application process, you’ll be enjoying your purchase in no time - all you need is your state ID and mobile phone number to get started. If approved, manage payment options and stay in control with 24/7 access to Cherry’s self-serve patient portal.
Flexible Payments For Any Budget
Use the payment calculator to simulate what your monthly payments could look like.*
*These are examples only. 0% APR and other promotional rates subject to eligibility. Exact terms and APR depend on credit score and other factors. Not every practice that uses Cherry will offer the payment plan terms listed above.
Down payment in the amount of monthly payment will be due at the time of purchase.
Frequently Asked Questions
How long is my approval valid for?
Approvals are valid for 30 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 Patient 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 practice 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 Pre-Paid Debit Card or Credit Card will result in a 2.99% processing fee. There is no processing fee for making a down payment with a traditional Debit Card.
How are refunds handled?
To request a refund, please contact Optima Dental PC directly.
We defer to the refund policies put in place by Optima Dental PC and cannot initiate a refund without their approval.
Once Optima Dental PC 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 deliquencies on your account to the credit bureaus.
Manage My Plan
Manage your payment plans inside the Cherry Patient Portal.
More Questions?
Contact the Cherry Support Team
Email: support@withcherry.com
Phone: (888) 839-7171
Support Hours
Monday through Friday: 9AM – 9PM ET
Saturday: 9AM – 7PM ET
Sunday: CLOSED
Payment options through Cherry Technologies, Inc. are issued by the following lending partners: www.withcherry.com/lending-partners. See www.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 © 2020-2023 Cherry Technologies Inc. NMLS #2061234, 2 Embarcadero Center, 8th Floor, San Francisco, CA 94111.
Get Valuable Care With Dr. Houenou
Dr. Houenou wants to see all our patients get the care they need. No matter which treatment option is right for you, we’ll work with you and your provider to ensure your needs are met.
Give us a call at 770-962-4322 to ask about our financing options or schedule a free consultation with Dr. Houenou. Don’t let the cost of dental care prevent you from getting the care you need.
