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Flexible Financing for Every Budget

The cost of dental care should never stand between you and a healthy smile. FLOSS Dental - Delray offers multiple financing solutions — from zero-interest options to customised in-house plans — so you can move forward with confidence.

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Cherry — Fast Approvals, Flexible Terms

Cherry is a patient-first financing platform designed specifically for healthcare. With a quick, soft-credit-pull application and instant decisions, Cherry lets you start treatment right away and spread the cost into manageable monthly payments that fit your life.

  • Apply in seconds with a soft credit check — no hard inquiry to start
  • Instant approval decisions so treatment can begin immediately
  • Terms from 3 to 24 months with multiple plan options
  • Down payment as low as $0 depending on plan selected
  • No prepayment penalties — pay off early anytime
  • Available at FLOSS Dental - Delray, 1319 N Federal Hwy, Delray Beach, FL
Apply with Cherry
Cherry financing at FLOSS Dental - Delray

CareCredit — The Trusted Name in Healthcare Financing

CareCredit is one of the most widely accepted healthcare credit cards in the country. With promotional financing periods that can include 0% interest and a wide range of repayment options, CareCredit gives you the flexibility to get the care you need without delay.

  • Promotional 0% APR financing periods available (subject to approval)
  • Revolving credit line — use it for any future dental or medical needs
  • Extended payment plans from 24 to 60 months available
  • Accepted at over 260,000 healthcare providers nationwide
  • Online account management and easy payment tracking
  • No annual fee on the standard healthcare card
Apply for CareCredit
CareCredit financing options at FLOSS Dental - Delray

Accepted PPO Insurance Plans

We accept most major PPO insurance plans and help you maximize your benefits. Our team verifies your coverage and clearly explains your treatment costs before any procedure begins.

Flexible In-House Payment Plans

If traditional financing isn't the right fit, we work with you directly. Our in-house plans are built around your actual budget — no rigid terms, no third-party lenders, no hassle.

No-Credit-Check Plan

Approval based on your situation, not your credit score. Available for qualifying treatments with a set down payment and clear monthly schedule.

  • No credit pull required
  • Down payment from 20%
  • 3–12 month terms
  • Fixed monthly amounts
  • All treatments qualify
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Staged Treatment Plan

Break larger treatment plans into phases, completing the most urgent work first and spreading the remaining procedures over multiple visits as your budget allows.

  • Prioritise urgent care first
  • Spread cost over time
  • No financing required
  • Customised schedule
  • Works with insurance too
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Extended Payment Plan

For larger cases like full-arch restorations or implants, we can structure extended payment plans in-house with terms beyond standard financing options.

  • For larger treatment cases
  • Terms up to 24 months
  • Low down payment options
  • Transparent fixed payments
  • No hidden fees
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AI Financing Assistant — Payment Questions, Answered Instantly

We're developing an AI Financing Assistant that answers your payment-related questions in real time — explaining your financing options, running payment estimates, comparing plans side by side, and helping you choose the right option without waiting for a callback from our team.

  • Instant plan comparison — Cherry vs CareCredit vs in-house options
  • Monthly payment estimates based on your treatment cost
  • Explains APR, promotional periods, and true cost of financing
  • Helps you understand how insurance and financing work together
  • Available 24/7 — get answers at midnight if you need them
  • Hands off to a human team member when you're ready to apply
Feature in development — available soon

Common Questions About Dental Financing

Do I need good credit to get approved for Cherry or CareCredit?
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Both Cherry and CareCredit consider a range of credit profiles. Cherry uses a soft inquiry to start and approves many patients who don't qualify for traditional credit. Our in-house plans require no credit check at all. We encourage everyone to apply — options are broader than most people expect.
Can I combine financing with my dental insurance?
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Yes. In fact, we recommend it. We'll first apply your insurance benefits to reduce your total balance, then you can finance the remaining out-of-pocket amount through Cherry, CareCredit, or an in-house plan. Our team handles all the coordination.
What happens if I don't pay off my CareCredit balance during the promotional period?
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If the balance isn't paid in full by the end of the promotional period, deferred interest may be applied. We always walk through these terms clearly before you apply so there are no surprises. Ask our team for the full promotional period terms specific to your plan.
How quickly can I start treatment after applying?
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For Cherry and CareCredit, most patients receive instant decisions and can begin treatment the same visit. For in-house plans, our office manager will set up your plan within the same appointment so you can move forward immediately.
Is there a minimum treatment amount required to use financing?
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Cherry and CareCredit have their own minimums — typically $200 or more. Our in-house plans are available for most treatment amounts. Talk to our front desk team and we'll find the right fit for your specific situation.

Have Questions About Costs or Coverage?

Our team will walk you through every financing option, run your insurance, and give you a clear picture of what your care will cost before you commit to anything. No pressure, no surprises.

Book An Appointment Call Now : (561) 363-6640