Dental Patient Financing
Dental Patient Financing Solutions

More smiles, less friction

Don’t let upfront costs prevent patients from getting the dental care they need. Splitit enables patients to pay for treatments over time using their existing credit card, with no new lines of credit or lengthy applications.

Guaranteed payments Predictable cash flow with no billing gaps and no collections.
Low merchant fees Flexible payment options without high financing costs or complexity.

Credit card installments unlock huge potential

Credit card installments help dental practices unlock more treatment opportunities by leveraging the credit patients already have and trust.

1.2bn approved patients worldwide

Anyone with a credit card can use Splitit, anywhere in the world – no registration, application, or underwriting required, so patients can move forward with treatment immediately.

$35,474 avg. credit available per patient

Customers can maximize their purchasing potential using the credit they have already earned, without paying interest, unlocking treatment plans that might otherwise be cancelled or scaled back.

85%+ approval rate

Our integrated technology delivers approval rates over 85%, helping more patients move forward with necessary dental care without the delays or declines of traditional financing options.

How dental payment plans work: the anatomy of a Splitit plan

Splitit uses your patients’ existing credit card to enable them to split the cost of their dental care into smaller payments. Splitit’s frictionless solution requires no applications, credit checks or underwriting.

Your patients get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud.

Authorization

Splitit authorizes the full amount of the purchase on the patient’s existing credit card and temporarily reserves the balance from their credit card.

The patient will need the full purchase amount available as credit on their credit card on the day of purchase.

Installment plan

The first installment is charged immediately after authorization or when treatment begins.

From there, Splitit automatically charges the patient’s credit card each month according to their chosen plan.

Why dental practices choose Splitit

No new lines of credit

Let patients use the credit they already have to pay over time, without opening a new line of credit or completing lengthy applications. Splitit works with their existing available balance, helping you increase case acceptance without adding friction to the patient experience.

Guaranteed payments and improved cashflow

Get the full dental treatment amount upfront while your patients pay in installments. Splitit keeps your cash flow predictable and removes your team from the collections process.

Simple, seamless setup

Splitit integrates easily with your existing practice management systems and payment processing. Our team handles the heavy lifting, so you can start offering flexible payments without needing in-house developers or IT support.

Dental treatment financing made simple

Splitit offers flexible payment plans designed specifically for dental practices:

Monthly installments Flexible options to pay over time for routine and complex procedures.
Bi-weekly payments Faster payment cycles for patients who prefer more frequent, smaller payments.
Pay on delivery Perfect for lab work, crowns, and other treatments with extended timelines.
Omnichannel availability Works online, in-office, or over the phone.

Get started with dental patient financing

Caring for patients should come first — let Splitit simplify payment options for your practice and your patients. Contact our specialists for a personalized demo and a no-obligations chat!

See how Splitit can work for your dental practice today.

Frequently Asked Questions

Splitit is ideal for any dental treatment over $500, including implants, orthodontics, periodontal treatments, and comprehensive restorative work. The flexible payment options make higher-value treatments more accessible to patients.

Unlike traditional financing, Splitit uses patients’ existing credit cards with no new loans or applications required. This means no credit checks, no impact on credit scores, and higher approval rates.

Yes, anyone with a credit card can use Splitit, anywhere in the world, making it perfect for dental practices that serve international patients or medical tourism.

To offer Splitit, your business must be registered in the US, UK, Canada, or Australia.

Absolutely. Patients can use Splitit to pay their insurance deductibles, co-pays, or for treatments not covered by insurance. This flexibility helps patients get the care they need without delay.