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DENTAL FINANCING &
PAYMENT OPTIONS
IN HAMILTON
Don’t let treatment costs delay the smile you want

“ 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.”

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Do you offer payment plans for dental treatment?

Yes, we offer flexible payment options for eligible patients and selected treatments. Depending on your treatment plan, we may be able to provide in-house financing with no interest for up to 12 months, or longer-term third-party financing for patients who prefer smaller monthly payments over a longer period.

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For some treatments, such as Invisalign and Dental Implants, eligible patients may qualify for in-house interest-free monthly payments for up to 12 months.

For patients who need more time or a different payment structure, third-party financing may also be available, with terms and approval depending on the application and the type of treatment being planned.

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What in-house financing options do you offer?

For eligible patients and selected treatments, we may be able to offer in-house financing with equal monthly payments over up to 12 months and no interest. This option can be especially helpful for treatments such as Invisalign, where patients may want to begin care sooner while spreading the cost into more manageable monthly payments.

Because every treatment plan and every patient’s situation is different, in-house financing is not offered in the same way for every case. Our team can review your proposed treatment, discuss the expected cost, and let you know whether a short-term interest-free payment arrangement may be available for your situation.

We prefer to keep these conversations simple, clear, and pressure-free. If in-house financing is a good fit, we will explain the payment structure clearly so you know what to expect before starting treatment.

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Do you also offer longer-term financing options?

Yes, for patients who would prefer smaller monthly payments over a longer period, third-party financing may also be available through LendCare, subject to approval. This option can be helpful for patients who are planning more involved treatment or who would like a payment schedule that extends beyond our in-house financing arrangement.

LendCare offers a secure online application process and provides fast approval decisions for eligible applicants. Depending on approval, financing amounts can range from about $500 to $15,000, with repayment terms that generally run from 12 to 60 months.

Patients can usually apply using a secure link from our office, through the application button on this page, or in person at our office. If approved, the lender will outline the available loan amount, repayment term, and interest rate based on the application details and credit profile.

Want to see if you may qualify for Dental financing through Lend Care?

If you are interested in longer-term financing options, you can use our secure LendCare application link to check whether you may qualify and to explore the payment options available to you. The process is quick, convenient, and designed to help patients understand their financing possibilities before moving forward with treatment.

LendCare states that applying for pre-qualification does not affect your credit score and that the process only takes a few minutes. If approved, the financing amount, repayment term, and interest rate will depend on the application details and LendCare’s review.
The application only takes a few minutes to complete, and you can quickly see whether you may qualify for financing.

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Use the button below to start your secure LendCare pre‑qualification.
You’ll quickly see whether you may be approved and the amount you may qualify for.
If you are approved, please contact Spinel Dental so we can review your treatment and next steps together.

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How does the LendCare pre‑approval process work?

  1. You complete a quick online application.
    Using our secure LendCare link, you fill out a simple online form on your own device. In most cases, this only takes a few minutes to complete.

  2. You receive a pre‑approval decision and amount.
    After you submit the form, LendCare reviews your information and lets you know whether you may be approved and, if so, the amount you are pre‑approved for. This pre‑approval helps you understand what level of financing may be available before you make any decisions.

  3. We review your treatment plan and how much to use.
    Once pre‑approval is in place, our team can see the result on our LendCare provider panel. We then review your recommended treatment, the total cost, and your pre‑approved amount together with you, and decide how much of that financing to apply toward your dental care.

  4. You choose whether to move forward.
    After you understand the treatment plan, cost, and financing options, you can decide whether you want to proceed. If you do, we coordinate the LendCare financing with your appointments and any insurance coverage you may have.

Hamilton Dental Finance & Payment Plan FAQ

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