Provider FAQs

What is American Dental Finance?

American Dental Finance is a reliable and immediate financing source for procedures with no protracted payment plans to cut costs. The program was designed to help orthodontists offer their patients an affordable solution to what can be a substantial cost.

What are the loan terms?

The program offers a $99 a month payment for orthodontic treatment plans up to $6,000 and an incrementally higher monthly repayment amount for plans that exceed $6,000. The credit limit is dependent on your FICO score. The minimum loan amount is $750 with a maximum amount of $15,000. The interest rate and loan term are dependent on the loan amount. There is no money down required and no prepayment penalties. Also available is a 6-months same as cash option.

How do my patients apply?

It’s quick and easy directly from your office on the hand-held computer tablet or desktop, or from the convenience of their home. The user-friendly application and signing process is secure and takes about 10 minutes. To access the application from home, they go to and enter the Log-in code you provide them. Another option is for them to complete a paper application to be input at a later time by your office staff or by U.S. Credit.

How do I get paid?

When your patient has digitally signed the loan documents, funds are electronically transferred to your bank account within two business days.