Financing and Insurance
Financial Information
At St. Clair Family Dental, we provide personalized and comprehensive dental care at affordable rates for our patients. We do our best to ensure that we communicate any financial charges before your appointment. Explore the details below about our Direct Insurance Billing services and Flexible Payment Options. If your preferred method is not listed, kindly contact our office and we can discuss how we can best accommodate you.
Direct Insurance Billing
We are committed to assisting you in maximizing your dental insurance benefits. Our office will bill your insurance provider directly. Kindly bring your insurance information to your appointment for prompt reimbursement processing. Please be aware that disparities may arise between our fees and your insurance policy's payment policy and fee guide year. Familiarizing yourself with your insurance policy, including coverage details and limitations, is advised.
We also accept payment through:
Cash, Personal Cheque, Certified Cheque or Money Order
Flexible Payment Options
At St. Clair Family Dental, we recognize that the expense associated with dental treatment can often discourage individuals from seeking assistance. That is why we have the following flexible payment options for you.
3-Month In-Office Payment Plan
Our in-office payment plan offers 0% interest, with a 50% down payment on your first appointment, and the remaining 50% will be split over three months. Terms and conditions apply. Feel free to contact our office to learn more about this payment option.
LendCare
We have also partnered with Lendcare to offer you a convenient, more flexible payment option. Lendcare offers easy financing with a quick and simple online application, terms of up to five years, and flexible payment options (either bi-weekly or monthly).
Complete the Application
Choose from loan categories below and apply online
Get an Instant Decision
You get quick approval decision
Move forward
Make your purchase or book your appointment
How do my loan payments work with LendCare?
You make scheduled payments over a set period of time to pay back the money loaned to you. Interest accrues at a fixed rate daily. If you are approved for a payment plan, your repayment schedule will be determined within the terms of the loan agreement. You will make your loan principal and interest payments in scheduled installments over the approved length of time.
How do I make changes to my payment plan?
If you need to change and/or update your bank account information, payment amount, or payment due date, please contact LendCare or our clinic directly.
Do you offer personal loans? Can I apply for one?
Currently, we do not offer direct personal loans. Our personal loans are only offered to select individuals who receive a special invitation from us to apply. If you have not received a verified text or email link from LendCare, you do not qualify for a personal loan.
Can I pay off my loan early?
Yes! You can make additional payments at any time - and pay off your loan early with no prepayment penalty or fees.
Can I make extra payments on my loan?
Yes! You can make additional payments at any time to reduce the principal balance and accelerate your loan repayment.
How do I access my loan information/check my balance?
For access to payment plan statements, balance letters, payout letters, and release letters, please contact LendCare or our clinic directly.
What treatments and procedures can I finance using LendCare healthcare loans?
LendCare finances a host of dental procedures, like implants and veneers. Do not hesitate to contact our team for a complete list or to see if a specific treatment qualifies for financing.
How much are the Healthcare loans?
Healthcare loans range from $500 to a maximum of $15,000, with amortization between 12-60 months and interest rates between 14.99% - 29.9%. The amortization and interest rate depend on an applicant's current financial state.
How does the process work?
After approval and completion of ID verification and payment details, one of our Healthcare Specialists will contact you. From there, you can schedule your treatment, and—once completed—Lendcare will pay our clinic directly.
Are there any upfront or monthly fees required with this program?
Lendcare’s Healthcare Financing program has no upfront fees due. There is a one-time administration fee; however, that gets added to your loan amount.
