Dental Payment and Financing Options

Cunning Dental Group accepts most insurance plans, major credit cards and financing with special terms - no money down on approved credit.

Dental payment and financing.

Cunning Dental Group in Montclair, California provide caring dentistry services with a caring touch for over 40 years. Dental procedures are an important decision. It is also one that requires meeting financial obligations. We want to make sure that you have every detail of your financial obligations explained to you. We also want to provide you with the most convenient way to move forward with your dental treatments by offering financing with CareCredit®, the Wells Fargo Health Advantage® credit card*, or Lending Club Patient Solutions. We also accept most major insurances, major credit cards and both cash and checks.

Our knowledgeable treatment coordinators can offer solutions to help you work within your budget. For our patients with dental insurance we will work to maximize your dental insurance benefits; and we will be happy to bill your insurance as a courtesy.


Dental Financing

To provide you with the highest quality dental care, Cunning Dental Group provide a comprehensive estimate of fees as well as treatment options. Our knowledgeable treatment coordinators understand financial limitations and can offer solutions to help you work within your budget. Cunning Dental Group offers flexible financing plans with CareCredit®, the Wells Fargo Health Advantage® credit card*, and Lending Club Patient Solutions. Explore the financing details below to find the best dental financing option for your future treatments.

A credit card with budget flexibility for health care expenses

Your Wells Fargo Health Advantage® credit card also brings you exclusive benefits:

Wells Fargo Health Advantage credit card - Learn more
  • Revolving line of credit that you can use over and over again
  • Special financing where available
  • Make payments over time
  • Easy-to-use online account management and bill payment options

Call 855-328-6646 to make an appointment and apply for financing in the office.

* The Wells Fargo Health Advantage® credit card is issued with approved credit by Wells Fargo Financial National Bank.

Apply Online

Lending Club Patient Solutions

Lending Club

Cunning Dental Group is pleased to offer flexible payment plans from Lending Club Patient Solutions.

  • No initial payment and no payment for 3-7 weeks
  • Affordable Extended Plans with low fixed rates & low monthly payments
  • 6-24 month Promotional Plans
  • No prepayment penalty

You can calculate potential monthly payment options.

Decisions are typically available in seconds. For more information, just ask our team or visit lendingclub.com.

Apply Online

CareCredit®

CareCredit® is a credit card with special financing options and convenient monthly payments - to help you achieve the healthy, radiant smile you've always wanted.

  • No Interest if Paid in Full within 6, 12, 18 or 24 Months1

    Interest at the rate of 26.99% will be charged to your account from the date of purchase if the promotional purchase is not paid in full within the promotional period. To avoid late fees, you must make your Total Minimum Monthly Payments by the due date each month. These Minimum Monthly Payments may or may not pay off the promotional purchase before the end of the promotional period. To make sure that you are not charged the interest accrued at 26.99%, you must pay the total promotional purchase amount within the promotional period.

  • Reduced APR and Fixed Monthly Payments Required Until Paid In Full2

    Fixed Monthly Payment amount based on repayment over 24, 36, 48 or 60 month period. Purchase of $1,000 or more are eligible for a 24, 36, or 48 month offer with a 14.90% APR. Purchases of $2,500 or more are eligible for a 60 month offer with a 16.90% APR.

For more information see carecredit.com

Woman holding CareCredit card
Calculate your low monthly payment.
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1 Offer applies only to single-receipt qualifying purchases of $200 or more. No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within the promotional period which may be 6, 12, 18 or 24 months. If you do not, interest will be charged on the promotional purchase from the purchase date. If your purchase qualifies for a 24 month promotional offer, fixed monthly payments are required equal to 4.1667% of initial promotional purchase amount until promotion is paid in full. The fixed monthly payment will be rounded up to the next highest whole dollar and may be higher than the minimum payment that would be required if this was a non-promotional purchase. For all other promotional offers, the regular minimum monthly payment terms of the account will apply. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance, except the fixed monthly payment will apply until the promotion is paid in full. For new accounts: Purchase APR is 26.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

2 Interest will be charged on promotional purchases from the purchase date until paid in full. The APR for the 24, 36 or 48 month promotion is 14.90% and the APR for the 60 month promotion is 16.90%. Fixed monthly payments are required until promotion is paid in full and will be calculated as follows: on 24-month promotions - 4.8439% of initial promotional purchase amount; on 36-month promotions - 3.4616% of initial promotional purchase amount; on 48-month promotions - 2.7780% of initial promotional purchase amount or on 60 month promotion - 2.4799% of initial promotional purchase amount. The fixed monthly payment will be rounded up to the next highest whole dollar and may be higher than the minimum payment that would be required if this was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 26.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreements for their applicable terms. Subject to credit approval.


Dental Insurance

We accept most dental insurance plans.

Cunning Dental Group accepts insurance providers listed below. Our knowledgeable treatment coordinators have experience with billing the dental insurance carries. Cunning Dental Group will work to maximize your benefits; and we will be happy to bill your insurance as a courtesy. Cunning Dental Group is on the preferred providers list for the following insurance plans:

  • Aetna
  • Ameritas
  • Blue Cross
  • Blue Shield
  • Delta
  • Dentemax
  • First Dental Health
  • Great West
  • Guardian
  • KPIC
  • Metlife
  • Phoenix
  • Principal
  • Prudential
  • United Healthcare
dental insurance logos

Credit Cards

Major credit cards accepted.

Cunning Dental Group accepts all major credit cards which include Visa, MasterCard, American Express and Discover. Our treatment coordinators are available to process your credit card of choice or to process multiple credit cards. With popular rewards credit cards patients frequently choose credit cards to pay for their treatment fees. Rest assured that at Cunning Dental Group we accept all major credit cards.

credit card logos

Cash and Checks

We accept cash and checks.

Paying with cash or check is very convenient at Cunning Dental Group. Choosing a treatment plan is part of the equation. The other is paying for your procedure. You have the option of paying your treatment plan in full with cash or check. We also can accept the combination of cash or check. Our treatment coordinators are available to comfortably and securely receive your payment and provide you with a receipt.

Staff with patient