Dental Financing Options in Marietta, GA

Written by Dr. Shaila Kabani, DDS

Cost is the most common reason patients delay dental care, and it is one of the most preventable barriers between a patient and the treatment they need. When the timing is right clinically but not financially, a flexible payment plan can be the difference between moving forward and putting a problem off until it becomes significantly more complex and expensive to fix.

At Kabani Dental in Marietta, GA, we offer multiple financing options through CareCredit and Cherry so that patients can spread treatment costs over time without sacrificing the quality of care they receive. Whether you are planning dental implants, a smile makeover, a custom crown, or any other treatment, we want the financial side of the conversation to be straightforward. Details about all available financing options are available on our financing page and through our team at the office.

Why Financing Matters for Dental Care

Dental treatment frequently requires out-of-pocket investment, and the cost of care has a direct and documented effect on whether patients follow through with needed treatment. A 2025 study published via the National Institutes of Health using NHANES data found that 14.17 percent of adults reported being unable to afford dental treatment, and those patients showed measurably worse oral health outcomes across every category evaluated. The data reinforces a straightforward reality: when patients have a manageable way to pay for care, they get the care, and their oral health is better for it.

Third-party financing through CareCredit and Cherry gives patients that path, converting a lump-sum treatment cost into predictable monthly payments that fit within an existing budget.

CareCredit at Kabani Dental

CareCredit is a healthcare credit card used by millions of patients nationwide to finance dental, medical, vision, and other health-related expenses. At Kabani Dental, we accept CareCredit for the full range of dental treatments we provide, from single-appointment procedures to multi-phase treatment plans.

How CareCredit Works

Patients apply for a CareCredit card, and upon approval, the credit line can be used immediately to cover treatment costs at participating providers, including Kabani Dental. CareCredit offers a variety of financing plans, including promotional options that allow patients to pay off balances over a set period. Specific plan terms, interest rates, and promotional offers change regularly and are determined by CareCredit directly. Our team can confirm what is currently available and assist you in getting started with the application process at your appointment.

What CareCredit Can Cover

CareCredit can be applied to virtually any treatment at our practice, including preventive care, restorative procedures, cosmetic dentistry, orthodontic treatment, and surgical services. Patients managing larger treatment plans often use CareCredit to cover the portion of costs not addressed by insurance, allowing them to move forward with a complete plan rather than phasing treatment out over years.

Cherry Financing at Kabani Dental

Cherry is a patient financing platform designed to make approval fast, accessible, and flexible. Where traditional healthcare credit cards may have stricter approval requirements, Cherry is designed to serve a broader range of credit profiles, making it a strong option for patients who may not qualify for or prefer not to use a dedicated healthcare credit card.

How Cherry Works

Cherry offers payment plans that allow patients to divide their treatment balance into monthly installments. Cherry has offered promotional 0% financing options for qualified patients, making it possible to pay for treatment over time with no added interest during the promotional period. Current promotional terms vary, and patients should confirm available offers with our team or directly through Cherry’s platform at the time of treatment.

Why Cherry Is Worth Considering

The quick approval process is one of Cherry’s most practical features, particularly for patients who need to move forward with treatment promptly. Applications can often be completed in minutes, and the ability to split costs into smaller, predictable payments makes it easier for patients to say yes to the full recommended treatment rather than delaying portions of a plan due to cost.

Process

Getting started with financing at Kabani Dental is a straightforward process. Here is what to expect from start to finish.

Discuss Your Treatment Plan

During your appointment or consultation, Dr. Kabani will walk you through the recommended course of treatment. Once you have a clear picture of what is involved, our team can discuss the total investment and help you identify which financing option may be the best fit.

Choose Your Financing Platform

Both CareCredit and Cherry offer online applications that can often be completed quickly. Our team can point you toward the right platform and answer any questions you have about how each works before you apply.

Complete Your Application

Applications for both CareCredit and Cherry are handled through their respective platforms. The process is typically fast, and many patients receive a decision quickly so treatment planning can move forward without significant delay.

Begin Your Treatment

Once financing is approved, you are ready to move forward. Our team will work with you to get your appointments scheduled and make sure your treatment plan stays on track from start to finish.

Combining Financing with Insurance

For patients with dental insurance, third-party financing and insurance coverage are not mutually exclusive. Many patients use both: insurance covers the eligible portion of a treatment, and a CareCredit or Cherry payment plan handles the remaining balance. This approach is especially useful for higher-cost services where insurance benefits have been partially exhausted or where coverage limits apply.

Our team will work through your insurance benefits with you before finalizing a treatment plan, so you know what your expected out-of-pocket responsibility will be before choosing a financing option. Detailed insurance information is available on our insurance page.

Other Payment Options

In addition to CareCredit and Cherry, Kabani Dental accepts HSA and FSA funds for qualifying dental expenses, as well as all major credit cards, personal checks, and cash. For patients without dental insurance who want a structured way to access preventive care and discounts on treatment throughout the year, our in-office membership discount plan is a separate option worth reviewing.

Choose Kabani Dental for Dental Care in Marietta

Dr. Shaila Kabani’s patient-first philosophy means the financial conversation gets the same transparency and care as the clinical one. Patients are never pressured into treatment decisions, and our team takes time to walk through all available options so every patient understands what moving forward looks like before they commit. Kabani Dental has been recognized as a Best Cosmetic Practice in East Cobb for multiple consecutive years, and that standard of quality and patient care extends to every part of the experience, including how we approach treatment planning and financing. More about Dr. Kabani’s credentials, training from the Pankey Institute, and background is available on the about us page.

If you have questions about CareCredit, Cherry, or any of our payment options, our team is ready to help you find the right path forward. Contact our office today to schedule your appointment at Kabani Dental in Marietta, GA.

Frequently Asked Questions

We hear a lot of questions from patients who are curious about how financing works and whether it is the right fit for their situation. Here are three of the most common questions we receive, along with straightforward answers.