Eco Dental NY accepts CareCredit for dental implants, veneers, Invisalign, crowns, dentures, and any treatment not fully covered by insurance. Apply in 5 minutes online or at our front desk. Once approved, you have access to 0% interest financing for 6, 12, or 18 months — perfect for splitting larger treatment plans into manageable monthly payments.
Call (718) 368-3368 to discuss treatment + financing, or apply for CareCredit directly.
What CareCredit Is (and Is Not)
CareCredit is a health and wellness credit card administered by Synchrony Bank. It is accepted at over 250,000 healthcare providers across the U.S., including thousands of dental offices. It works like a regular credit card — you make purchases, you pay back over time — but the key advantage is promotional 0% interest financing for healthcare expenses.
It is not dental insurance. CareCredit pays the provider in full; you owe Synchrony Bank, not Eco Dental NY. Your treatment cost does not change — only how you pay it.
CareCredit Promotional Financing Options
- 6 months — 0% interest on purchases of $200 or more, if paid in full within 6 months
- 12 months — 0% interest on purchases of $500 or more, if paid in full within 12 months
- 18 months — 0% interest on purchases of $1,000 or more, if paid in full within 18 months
- 24 months — 0% interest on purchases of $2,500 or more, if paid in full within 24 months
Important: If you do not pay the full balance by the end of the promotional period, deferred interest is charged retroactively from the purchase date. Plan your monthly payment so that the total is paid before the promo ends.
For longer terms (36, 48, 60 months), CareCredit also offers reduced APR plans (9.9% – 14.9%) on larger procedures.
Common Dental Treatments Patients Finance With CareCredit
| Treatment | Brooklyn Cost (2026) | Recommended CareCredit Term |
|---|---|---|
| Single dental implant + crown | $3,800 – 5,500 | 18 or 24 months |
| All-on-4 (full arch implants) | $20,000 – 28,000 | 24 months promo + extended low-APR |
| 6 porcelain veneers | $7,500 – 12,000 | 18 or 24 months |
| Invisalign full treatment | $4,500 – 7,500 | 18 months |
| Full upper + lower dentures | $3,500 – 6,000 | 12 or 18 months |
| CEREC same-day crown | $1,200 – 1,800 | 12 months |
| Professional Zoom whitening | $500 – 800 | 6 months |
How to Apply for CareCredit (3 Easy Ways)
- Online (recommended) — carecredit.com/apply. Takes 5 minutes. Decision in under 60 seconds. If approved, you can use it immediately at our office.
- At our front desk — bring a photo ID and your Social Security number. We help you complete the application on our tablet. Decision in under 60 seconds.
- By phone — call CareCredit at 1-800-839-9078 and apply over the phone. Have your SSN and proof of income ready.
Approval requirements: CareCredit looks at your credit score and income. Most applicants with a fair-to-good credit score (above 620) are approved. If you are not approved, ask CareCredit about their CareCredit Rewards Mastercard or about a co-signer.
How CareCredit Works at Eco Dental NY
- Treatment plan visit (45-60 min) — Dr. Natalia explains the recommended procedures, materials, timeline, and total cost. You leave with a written estimate.
- Decide on insurance + financing mix — if you have dental insurance, we apply that first. Whatever insurance does not cover, you can pay cash or finance with CareCredit.
- Apply (5 minutes, link above).
- Schedule treatment — once you are approved, we schedule the procedure dates and you sign a payment authorization. The CareCredit charge processes when treatment begins.
- Monthly payments to Synchrony Bank — we never bill you again unless you choose to add additional treatment.
CareCredit vs. Other Financing Options
| Option | APR | Approval | Best For |
|---|---|---|---|
| CareCredit (0% promo) | 0% if paid in promo period | Fast (1 min) | Most dental treatment $500-$5,000 |
| CareCredit (reduced APR) | 9.9% – 14.9% | Fast | Large treatment 24-60 months |
| Personal bank loan | 7% – 18% | Days | $10,000+ All-on-4 treatments |
| Credit card | 15% – 25% | Instant | Small purchases only |
| In-office payment plan | 0% | Case-by-case | Established patients, 3-6 months |
CareCredit FAQ
Will applying for CareCredit hurt my credit score?
The initial application is a soft credit check that does not affect your score. If you accept the offer and use the card, normal credit reporting applies — making payments on time builds credit, missed payments hurt it.
What credit score do I need to be approved?
CareCredit does not publish an exact minimum, but most approved applicants have a FICO score above 620. With higher scores, you get higher credit limits and access to longer 0% terms.
What happens if I cannot pay before the 0% promo ends?
Deferred interest is charged retroactively from the original purchase date — meaning you owe interest on the entire original balance, not just the remaining balance. To avoid this, divide your treatment cost by the promo period: e.g., $1,800 over 18 months = $100/month minimum to clear in time.
Can I use CareCredit for procedures my insurance does not cover, like veneers or whitening?
Yes — this is one of the most common uses. Cosmetic dentistry (veneers, Zoom whitening, smile makeover) is rarely covered by insurance. CareCredit is the standard way to finance these procedures.
Can I combine CareCredit with my dental insurance?
Yes. We apply your insurance first; whatever insurance does not cover, you can pay with CareCredit. We provide a written breakdown showing both portions before treatment begins.
Is there a fee to apply for CareCredit?
No. Application is free. The only costs are interest if you do not pay within the promotional period.
Can I use CareCredit for family members?
The CareCredit account is in your name and you are the responsible party, but you can use it to pay for treatment for your spouse, children, or any dependent at our office (or any other CareCredit provider).
How quickly can I use CareCredit after I apply?
If approved, you can use CareCredit at our office the same day. Many patients apply at the front desk during their treatment plan visit and begin treatment that week.
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