However You Pay, We Make It Work

Using insurance, paying out of pocket, or somewhere in between, we have a path that fits. There are no high-pressure pitches and no surprises, just clear options for patients across Laguna Niguel, CA.

Flexible Financing for Larger Treatment

PPO insurance covers a lot, but bigger treatments like implants, cosmetic work, or orthodontics often go beyond your annual maximum. That should not stop you from moving forward, and we will help you find a plan that fits.

Benefits of Dental Financing with 2C Wellness Dentistry

  • 0% interest plans

    0% interest plans are available for qualified applicants, so bigger treatment stays within reach.

  • Check your rate in minutes

    Check your rate in under 5 minutes — with no impact on your credit score.

  • Choose what fits

    We partner with Cherry and CareCredit so you can choose the plan that fits your budget.

Our Dental Financing Partners

We're dedicated to providing you with the best financing options. We offer exceptional financing solutions through our trusted partners.

Cherry

Cherry lets you spread the cost of care into manageable monthly payments. Checking your rate takes under 5 minutes with no impact on your credit score, and 0% APR options are available for qualified applicants. Once approved, you can put your plan toward treatment right at your appointment.

  • Check your rate in under 5 minutes
  • No impact on your credit score
  • 0% APR options for qualified applicants
Apply with Cherry

CareCredit

CareCredit is a trusted healthcare credit card that lets qualified patients break the cost of treatment into convenient monthly payments — often with interest-free options. Apply online or by phone in minutes, then simply bring your account number to your appointment.

  • Convenient monthly payments
  • Interest-free options for qualified patients
  • Apply online or by phone in minutes
Apply with CareCredit

Our In-House Membership Plan

Our membership plan delivers what insurance is meant to, without the deductibles, waiting periods, claim denials, or paperwork. You pay one simple annual price that stays predictable and transparent.

Ask our team about the plan and what it costs, and we'll walk you through how it works in a quick call.

Ask About Membership

Each year, your membership includes

  • Two regular cleanings, or up to four perio-maintenance visits
  • Two full exams
  • All routine X-rays
  • One emergency exam
  • 20% off any additional treatment
  • No deductibles, no annual maximums, and no claim forms

Check Your Rate with Cherry

It takes under 5 minutes with no impact on your credit score. Estimate your monthly payment and apply below.

Frequently Asked Questions About Dental Financing

Don't see the answer you're looking for?

Get in Touch
How much does dental treatment cost with financing?

Costs vary depending on the treatment, but financing lets you break the total into affordable monthly payments. Our treatment coordinator provides a clear cost breakdown before you commit to anything.

Do I need good credit to qualify?

Each financing partner has different approval criteria, and some options are available for a wide range of credit scores. Our team can help you find the plan that gives you the best chance of approval.

How long does the approval process take?

Most applications take just a few minutes and give you an instant decision, so you can often move forward with treatment the same day.

Are there any upfront costs or fees?

Many plans have no upfront cost. We'll go over the exact terms of any plan you're considering before you decide, so there are no surprises.

Can I pay off my financing early?

Yes — most plans let you pay off your balance early, and several offer interest-free windows if the balance is paid within the promotional period.

Can I use financing and insurance together?

Yes. After your insurance covers its portion, financing can be applied to whatever balance remains. Many patients use both to keep out-of-pocket costs as low as possible.

Quality Care That Fits Your Budget

Call