Lach Dental Specialists Financing Options
Getting the smile you want shouldn’t be held back by cost.
Flexible Financing Options That Make Your Treatment Accessible
The cost of orthodontic or oral surgery treatment is one of the most common reasons patients put off care they genuinely need, and we understand that. At Lach Dental Specialists, we believe financial concerns should never stand between you and a healthy, confident smile. Serving patients across our Oviedo and Lake Nona locations, we’ve built a range of financing solutions that work for a wide variety of budgets, from families coordinating treatment for multiple children to adults investing in their smiles for the first time.
Financing Information
Payment Options Designed Around Your Life
Not every patient has the same financial situation, and we don’t treat them as if they do. Lach Dental Specialists offers both in-house payment plans and third-party financing through trusted partners, so you have options regardless of where you’re starting from. Whether you’re looking to pay in full and save, make a modest down payment, or start treatment with zero out-of-pocket cost today, there’s a path that can work for you.
Our in-house payment plans allow for down payment options ranging from 10% to 50%, with the remaining balance spread over a structured schedule. For patients who prefer to use a financing partner, we work with three programs that offer a range of terms and approval processes to fit different credit profiles and treatment timelines.
Our financing options include:
- Care Credit — Zero-deposit, zero-interest financing available over 24 months (upon credit approval)
- Proceed Finance — Flexible financing terms available up to 84 months
- Cherry — An additional financing option for patients seeking alternative approval paths
- In-house payment plans — Down payment options from 10% to 50% with structured balances
- Paid-in-full discount — A 3% discount applied when treatment is paid in full at the time of service
Whatever your situation, our team will walk you through each option during your consultation so you can make the decision that makes the most sense for you.
Process
Getting started with financing at Lach Dental Specialists is straightforward, and our team is with you at every step. Here’s what the process looks like from your first visit to the start of treatment.
Schedule Your Free Consultation
Your first step is booking a complimentary consultation at either our Oviedo or Lake Nona office. During this appointment, our team will assess your orthodontic or oral surgery needs, discuss your treatment goals, and give you a full pricing breakdown based on your individual treatment plan.
Review Your Financing Options
Once you have your treatment cost, a member of our team will walk you through each financing option in detail, including Care Credit, Proceed Finance, Cherry, and our in-house plans. There’s no pressure and no rush. We want you to leave feeling confident about how you’re moving forward.
Apply for Financing
If you choose to use one of our third-party financing partners, the application process is typically fast. Approval decisions from programs like Care Credit and Cherry are often available quickly, so you won’t spend days waiting to find out where you stand.
Begin Your Treatment
There’s no need to delay your care while saving up. With zero down payment options available through certain programs, many patients are able to begin treatment at their very next appointment after approval.
Understanding Your Full Investment
Orthodontic and Oral Surgery Care Is a Long-Term Investment
A straight smile or a restored bite isn’t just a cosmetic change — it can affect your confidence, your oral health, and your quality of life for years to come. At Lach Dental Specialists, Dr. David Lach brings more than 30 years of orthodontic experience to every treatment plan, and Dr. Travis, our board-certified oral surgeon with a master’s in anesthesiology, handles surgical procedures with a level of training that goes well beyond standard care.
When you factor in the expertise behind your treatment, the advanced technology we use — including 3D digital scanning and computer-designed appliances — and the long-term value of a properly aligned smile, the investment in your care at Lach Dental Specialists reflects genuine quality. We’re not just moving teeth; we’re building lasting results.
That said, we never want the cost to feel out of reach. With terms extending up to 84 months through Proceed Finance and zero-interest options through Care Credit, many patients find that monthly payments fit comfortably within their existing budgets. Our team is always happy to run through numbers with you during your consultation so you have a realistic picture of what treatment will look like financially before you commit to anything.
Frequently Asked Questions
Financing a dental procedure raises real questions, and we want to make sure you have the answers you need before moving forward. Here are a few of the most common things patients ask about financing at Lach Dental Specialists.
Is there a financing option that doesn't require a down payment?
Yes. Through our third-party financing partners, zero down payment options are available, meaning you may be able to start treatment without any upfront cost at the time of approval. Specific terms depend on the financing program and your credit profile, and our team will help you identify which option gives you the most favorable starting point.
How long do I have to repay my financing balance?
Repayment terms vary depending on which financing program you choose. CareCredit offers a 24-month promotional period with 0% interest for qualifying patients, while Proceed Finance offers terms up to 84 months for those who prefer smaller payments spread over a longer period. Cherry provides an additional option with its own term structure. During your consultation, we’ll help you compare programs side by side.
What if I'd rather just pay in full?
Patients who prefer to pay their full treatment balance at the time of service receive a 3% discount. It’s our way of recognizing that straightforward transactions benefit everyone, and we’re happy to pass those savings along. Your treatment coordinator can apply the discount directly at checkout when full payment is confirmed.
