“ Our team at SPINEL DENTAL believes that every patient should be able to afford the dental services they need. We help you find ways to finance your treatments with ease ”

Is financing the fastest way to your beautiful smile?

Our office offers the best financing plans available. We strive to provide the very best treatment, and the same applies to our financing options. You can apply now!

There is no need to worry about paying for treatment that will be a hardship to pay immediately.
With online application, you have access to health smart financial benefits.

This provides you access to financing whether you have a high or a low score.
One very important program is our 3 months "No Interest" financing option.

Other one is 12 months "Low Interest" financing option. This is great for those who want to finance and pay small amount each month.

Over the years we have found versatile financing, like those programs, is very important to meet everyone's needs.

To take advantage of this opportunity, simply fill out the online application and click "submit". We will contact you to finalize your application and make sure you get the best financing available.

You can also apply in the office.It takes minutes to apply and get approved.

As a patient, we pledge to provide you uncompromising dentistry and service in all aspects of your treatment. This includes locating financing that best serves you.

Our Patient Financing Plan allows you to:

  •  Apply conveniently, online.

  •  Quick approvals from multiple lenders.

  •  One Application.

  •  Schedule your treatment immediately.

  •  Blended billing-Bill Insurance for treatment that’s covered.

  •  No application or annual fee.

  •  Many programs have interest free financing for up to 1 year.

  • 3 months or 12 months terms.

  • 5 out of 10 patients take advantage of financing.


What is a Pay Bright payment plan?

Our plans allow you to break down the cost of an expensive purchase into a series of affordable monthly installments. This allows you to complete your purchase with confidence.

How do I apply?

You can apply for a Pay Bright payment plan in three ways:

  • At a SPINEL DENTAL location using our desktop or mobile applications.
  • Online from our website ( click here).
You will receive a response within a matter of seconds indicating the amount of funds we can grant you.

How quickly do I need to use my approved credit?

Your credit approval can be used for up to 365 days. You can fund multiple purchases over time with your credit approval. After 365 days, we require a new application.

How do I complete the transaction?

To complete the transaction, The office need a piece of your valid ID to send to Pay Bright business department. Please bring a piece of ID when you visit our office. It must be a photo ID from a government agency, such as a Drivers Licence or Passport. Please note that we are not permitted to accept health cards as photo ID in Ontario.

Is there a minimum or maximum funding amount?

Pay Brightrt will fund as little as $300 and as much as $25,000, depending on your credit. You can also fund multiple transactions after being approved by Pay Bright.

Which payment plan terms are available in SPINEL DENTAL?

Pay Bright offers affordable payment plans in SPINEL DENTAL: 3 months and 12 months.

What are the interest rates on Pay Bright payment plans?

SPINEL DENTAL offers 0% interest and 0 Down on 3 months term as a promotion and benefit for customers. also 7.95% * and 0 Down on 12 months term. exact rate depends on the quality of your credit. The large majority of our customers pay less than typical credit card interest rates. Our goal is to provide financing options for as many applicants as possible – and always to provide an affordable monthly payment!
Our plans also include a small monthly processing fee. We don’t charge any other service fees, prepayment fees, or any other hidden fees. We also never charge backdated interest. We seek to have the highest standards of transparency so that charges are always fully clear to our customers. The exact APR that applies to your transaction will be calculated before you finalize your transaction. * (May vary in some cases)

How do I know what my monthly payment will be?

You can estimate your monthly payments using Pay Bright online payment calculator here.

Can Pay Bright funding be used in conjunction with my insurance or benefits coverage?

Yes! You can fund any portion of the cost through Pay Bright. Many benefit plans cover only a portion of the cost of a treatment – or not at all. Pay Bright exists to help you pay for these out-of-pocket expenses.

Are there any restrictions on what Pay Bright will fund?

Pay Bright will fund any service or product that our healthcare provider partners supply.

Does Pay Bright allow co-signers?

Yes! If you need more funds that Pay Bright can grant you on your own, a co-signer is a great way to get access to a higher credit limit.

How do I make my payments?

Your payments will be set up as convenient pre-authorized debits from your chequing account.

Can I prepay my outstanding balance?

Yes! Pay Bright payment plans are repayable in full or in part at any time, with no penalty. To make an extra payment, you can either login to your online account or call us at 1-877-276-2780.

If I have questions about my account, do I contact my healthcare provider or Pay Bright?

Please contact Pay Bright directly, as your healthcare provider does not have access to all the details of your account.

Is my personal information secure with Pay Bright?

Yes, protecting your personal information is very important to us. We encrypt sensitive data. We also maintain physical, electronic, and other safeguards to protect your information. We do not sell your information to anyone. You can read our detailed Privacy Policy here.