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Financing Options

Don't let cost stand between you and the smile you deserve. We offer flexible financing options to put quality dental care within reach for everyone. We do not participate with insurance plans, ensuring our full commitment to your care.

4.9★ Rating400+ Google reviews
Double Board-Certified SpecialistMAGD · DABOI/ID
15+ YearsImplant-focused care
Flexible PlansCareCredit & Cherry

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Proudly Serving the Greater Tampa Bay Area

Trinity, FLNew Port RicheyTampaClearwaterPalm HarborLand O' LakesLutzWesley ChapelDunedinOldsmarKeystoneEast LakeSpring HillBrooksvilleHolidayTarpon SpringsOdessaElfersPort RicheyBellairClearwater Beach

Payment Solutions

Choose the payment option that works best for your budget and lifestyle.

CareCredit

Healthcare credit card with flexible payment plans and promotional financing options. Apply in minutes and get instant approval.

No upfront costs
Flexible terms
Quick approval
Used nationwide

In-House Payment Plans

Work directly with our office to create a customized payment schedule that fits your budget. No third-party involved.

Custom terms
No credit check
Direct billing
Flexible schedules

Insurance Billing Assistance

While we don't participate with insurance plans, we can file claims on your behalf. Full treatment cost is your responsibility.

Claims filed for you
Direct patient care
No restrictions
Best treatment options
Treat now,
pay later
No hard credit checks, ever
True 0% APR options available
Interest-bearing plans with APRs as low as 5.99%
Up to
approvals
No hidden fees

See an example of what you could pay

No hard credit checks, ever
60 seconds to apply
0% APR and other promotional rates subject to eligibility. See footer for details.

How Cherry works

See if you qualifyIt only takes 60 seconds to complete the application
Get careUse your approval to pay for your treatment
Pay over timeChoose a plan length that fits your needs with 0% APR options

What Our Customers Say

profile picture of Bryana
Bryana
“I was worried the application would take long, I would have paid on my credit card – but it only took a few minutes and I'm so happy I can split my payments up now!”
profile picture of Alex
Alex
“Cherry was really easy to use and super fast. I can't wait to go back and try different services now that I can split my payments!”
profile picture of Marie
Marie
“I used this on Monday and it was great. Low down payment and low monthly. You all should try it.”
profile picture of Gabriel
Gabriel
“Cherry was great, one of the better lending companies I’ve ever used. Making payments was a lot easier and I appreciate that Cherry was willing to work with me.”
profile picture of Alyssa
Alyssa
“Cherry is amazing!!! Now we can get everything done!!”
profile picture of Cassie
Cassie
“I’ve been putting off these treatments for a long time. I scheduled them all today using Cherry!”
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Questions?

What is Cherry? Cherry (opens in new tab) is a buy now, pay later company making it fast and easy to pay for health and wellness purchases over time.
These are examples only. 0% APR and other promotional rates subject to eligibility. Exact terms and APR depend on credit score and other factors. For example, a $400 payment plan with Cherry may cost $100/month over 3 months at 0% APR with down payment in the amount of monthly payment due at the time of purchase. Not every provider that uses Cherry will offer the payment plan terms listed above.

Payment options through Cherry Technologies, Inc. are issued by the following lending partners: withcherry.com/lending-partners (opens in new tab). See withcherry.com/terms (opens in new tab) for details. Iowa only: Borrowers are subject to Iowa state specific underwriting criteria. APR for all Iowa borrowers is capped at 20.99%.

Cherry is committed to making our product accessible. For our accessibility statement and feedback form, see withcherry.com/accessibility (opens in new tab).

Copyright © 2020-2026 Cherry Technologies Inc. NMLS #2061234, 2 Embarcadero Center, 8th Floor, San Francisco, CA 94111.

Manageable Monthly Payments

See how our financing options can fit your new smile into your monthly budget.

Dental Implants

Approx. $5,500 complete

As low as

$199/month*

All-on-4® Full Arch

Starting at $25,000

As low as

$833/month*

Porcelain Veneers

$1,200-$1,800/tooth

As low as

$100/month*

Smile Makeover

Custom pricing

As low as

Plans available

*Based on approved credit with CareCredit. Example monthly payments shown for illustration purposes. Your actual payment may vary based on credit approval and selected payment plan. Full treatment cost is patient responsibility.

Our Insurance Policy

Our office does not participate with any insurance plan. We have made the choice to not be restricted by predatory insurance companies seeking to deny benefits to their clients, therefore, our commitment remains to you, the patient. Even though your dental plan may not cover all necessary treatment, we will always present the best options for your health. We may file claims to your dental benefit plan on your behalf, but the full cost of treatment is your responsibility.

Questions about payment options? Call us at (727) 228-6846 and we'll help you find a solution that works for you.

Let's Discuss Your Options

Reserve your $300 Signature Consult — a comprehensive planning session with Dr. Gjelaj and a written treatment plan, applied in full toward your treatment when you begin within 30 days. Our coordinators will review every financing option and help you choose the best plan for your budget.

Financing Questions

Does Trinity Dental Arts offer financing for dental implants?

Yes — Trinity Dental Arts offers flexible financing for dental implants, full-arch restorations, and other major treatments. We work with multiple lenders so most patients qualify for a plan that fits their budget, including extended-term options that keep monthly payments manageable.

What financing companies do you work with?

We work with several leading patient financing companies including CareCredit, Lending Club, Sunbit, and Proceed Finance. Each has different qualification standards, term lengths, and interest rates, so we can usually find a fit even if one lender doesn’t approve. Our team helps with the application during your consultation.

Can I get 0% interest financing?

Yes — some financing partners offer 0% interest promotional plans, typically for 6, 12, 18, or 24 months. Approval depends on credit and treatment amount. For larger cases like full-arch implants, longer extended-term plans (up to 84 months) with competitive interest rates are usually a better fit than short-term 0% plans.

Do you accept dental insurance?

Yes — Trinity Dental Arts accepts most major dental insurance plans. We’ll verify your benefits before treatment and let you know what your insurance covers and what you’re responsible for. Even if we’re out of network, many plans still provide partial coverage for our services.

Will my insurance cover dental implants?

Most dental insurance plans provide minimal or no coverage for implant placement, often citing exclusions or missing-tooth clauses. Some plans contribute partial coverage toward the crown or restoration. Our team will verify your specific benefits and explain exactly what your plan covers before treatment begins.

What if I have less-than-perfect credit?

Some financing partners are more flexible with credit history than others. Sunbit, for example, runs a soft credit check that doesn’t affect your score and approves a high percentage of applicants. We can submit applications to multiple lenders to find an option that works for your situation.

Are there extended payment plans for full-arch implants?

Yes — for full-arch implant cases, we offer extended-term financing plans up to 84 months. This breaks treatment into a manageable monthly payment instead of a single large outlay. Term length and interest rate depend on the lender and your credit profile, but most patients can get monthly payments under $400.

Can I split my treatment cost into multiple payments?

Yes — in addition to lender-based financing, we can structure phased treatment plans where you pay as each stage is completed. For example, with implants you pay one fee for placement, another for the abutment, and a final fee for the crown. This spreads the cost over the natural treatment timeline.

Request a Consultation

Request an in-office Signature Consultation ($300, credited toward treatment) — takes less than 60 seconds to request.

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Visit Us

11105 Trinity Blvd

Trinity, FL 34655

Call Us

(727) 228-6846

Office Hours

Mon–Thu: 9:00am – 5:00pm

Fri–Sun: Closed

✓ Reserve your Signature Consult

An in-office Signature Consultation ($300) includes a full exam, 3D imaging, and a personalized treatment plan — fully credited toward your treatment if you move forward within 30 days. Call (727) 228-6846 to get started.