If you’ve been researching dental implant financing in California, you’ve probably noticed one thing right away: prices vary, insurance can be confusing, and most patients today choose some form of monthly payment plan. The good news? Getting dental implants has never been more affordable — especially when you understand how financing works, what lenders look for, and how to calculate your real monthly payment before your consultation.
At California Dental Implants Specialists, we help patients every day secure flexible financing through companies like CareCredit, Sunbit, and Cherry, as well as offering in-house options depending on the treatment plan. Whether you’re getting a single implant, a bridge, or a full mouth All-On-4 / All-On-X restoration, there is a budget-friendly route.
This guide breaks down everything you need to know about payment plans, approval odds, and how to compare offers — so you never overpay or choose the wrong lender.
Why Financing Matters More Than Ever in 2025
Dental implants are an investment in your oral health, appearance, confidence, and long-term comfort. But implant pricing across California varies wildly:
- A single implant may range from $699 to $2,500 depending on clinic and location.
- Full mouth implant solutions can cost tens of thousands — which is why monthly plans are the #1 choice.
Patients often tell us they delayed treatment for years because they assumed they couldn’t afford it. Once they learn they can spread the cost over 12–72 months — sometimes with 0% interest — the decision becomes much easier and far less stressful.
At our offices in Huntington Beach, Marina del Rey, Pacifica, and Downey, patients consistently choose financing because it helps them begin treatment right away rather than waiting for savings or suffering with missing or failing teeth.
How Monthly Implant Financing Works (Simple Breakdown)
Most lenders look at three things:
- Your income (to ensure you can comfortably make payments)
- Your credit profile
- The cost of the treatment
Once approved, you choose a repayment term:
Common Implant Financing Terms
- 6–12 months: Best for 0% promotional interest
- 24–48 months: Low payments with standard interest
- 60+ months: Used mostly for full-mouth implant cases
Your monthly payment is based on total treatment cost + interest (if applicable).
Realistic Monthly Payment Examples in California
(These are example ranges — your personalized quote comes after a free consultation.)
Single Implant (starting at $699)
- $40–$60/month with extended payment plans
- As low as $58/month on many 0% programs when approved
Implant + Crown (often $1,800–$2,500 depending on clinic)
- $60–$120/month depending on lender and term
All-On-4 / All-On-X Full Mouth
- Many patients qualify for:
- $250–$500/month (per arch) with standard financing
- 0% plans for shorter terms when approved
- Full-mouth transformations can qualify for long-term 72–84 month plans for maximum affordability
If you’re considering full mouth implants, we recommend reviewing our detailed treatment guide here:
👉 All-On-X Full Mouth Dental Implants
Does Insurance Help Lower Monthly Payments?
Insurance rarely covers the implant itself, but it often covers:
- Extractions
- Temporary dentures
- Bone grafting in some policies
- Portions of the crown or bridge
Even small reimbursements (typically $300–$1,200 per tooth) can significantly lower your financed amount.
For a deeper explanation, you can read our insurance overview here:
👉 Financing & Insurance Options
What Financing Companies Are Most Popular in California?
At California Dental Implants Specialists, patients most often choose:
✔ Sunbit
- High approval rates — even for moderate credit
- Very fast approval process (90 seconds)
- Payments can be extremely flexible
✔ CareCredit
- Medical-only credit line
- Frequently offers 6–12 months 0% APR
- Great for patients with good to excellent credit
✔ Cherry
- Soft credit check
- Split payments and longer terms available
- Friendly for young adults or those building credit
Not sure which one you might qualify for? Our team submits multiple applications for you during your visit — at no cost.
How to Improve Your Chances of Approval
You don’t need perfect credit to finance implants. These small changes often help:
- Bring proof of income (pay stubs, bank deposits, etc.)
- Add a co-applicant if your credit is below 600
- Choose a longer repayment term to lower risk for the lender
- Reduce your requested loan amount by applying insurance benefits
Patients with credit as low as 520–580 have been approved depending on the lender and treatment plan.
In-House Financing: When It’s the Best Option
Some patients prefer making payments directly to the dental office rather than using a lender. While this depends on the case, in-house plans can sometimes:
- Require lower credit thresholds
- Allow smaller down payments
- Offer more flexible payment schedules
During your consultation, we’ll review all available financing options — including in-house plans when applicable — to help you choose the most affordable path.
Why Patients Across California Choose Us for Implant Financing
With four locations and a reputation for offering some of the most affordable implant pricing in Southern California, we focus on transparent, realistic payment options for every patient:
📍 Huntington Beach
California Dental Implants Specialists – Huntington Beach
18800 Main St #110A, Huntington Beach, CA 92648
Phone: 714-418-4480
Learn more: https://www.699dentalimplants.com/locations/huntington-beach/
📍 Huntington Beach – Pacifica
California Dental Implants Specialists – Pacifica
18800 Main St #110C, Huntington Beach, CA 92648
Phone: 714-418-4480
Learn more: https://www.699dentalimplants.com/locations/huntington-beach-pacifica/
📍 Marina del Rey
4292 Lincoln Blvd, Marina del Rey, CA 90292
Phone: 310-905-8747
Learn more: https://www.699dentalimplants.com/locations/marina-del-rey/
📍 Downey
8512 Paramount Blvd, Downey, CA 90240
Phone: 562-662-3773
Learn more:
https://www.699dentalimplants.com/locations/california-dental-implants-specialists-downey/
Across all offices, we use the latest dental technology — including digital imaging and guided implant surgery — to keep implant procedures efficient, predictable, and cost-effective.
How to Calculate Your Monthly Payment Before You Visit
Here’s a simple formula:
(Total Fee – Insurance Contribution) ÷ Months = Monthly Payment
For example:
$8,999 All-On-X curveball scenario
Insurance payout: $1,000
Requested financing: $7,999
Monthly payment options might look like:
- $133/month (60-month plan)
- $333/month (24-month plan)
- $666/month (12-month 0% plan)
We run these calculations for you so you can choose the best match for your budget.
Why You Should Get Pre-Qualified Before Your Consultation
Pre-qualification:
- Doesn’t affect your credit score (soft pull)
- Gives you a realistic monthly budget
- Allows our team to tailor treatment options that match your finances
- Gets you in and out of your consultation faster
Patients who pre-qualify nearly always start their treatment sooner because they already know what to expect.
Ready to See Your Monthly Payment Options?
Whether you need a single implant, implant bridge, or full-mouth restoration, California Dental Implants Specialists makes financing simple, transparent, and stress-free.
You can view financing resources here:
👉 Financing & Insurance
Or schedule your complimentary consultation at any location:
- Huntington Beach: 714-418-4480
- Marina del Rey: 310-905-8747
- Downey: 562-662-3773
A confident smile is closer — and more affordable — than you think.
