Dental Financing and Payment Options

Oral surgery is a meaningful investment in your long-term health — but cost should never be the reason someone delays care they need. At Harmony Dental Implants and Oral Surgery, we offer flexible payment options and patient-friendly financing so that procedures like dental implants, wisdom teeth removal, and full-arch restoration are accessible to patients at both our Charlotte, NC and Tega Cay, SC locations.

Dr. Riddhi Patel, a board-certified oral and maxillofacial surgeon, built this practice around clinical precision and patient-centered care. That means being upfront about costs, walking you through every option, and never letting financial uncertainty stand between you and treatment. Learn more about our practice and our approach on our about page.

Cherry Financing

Our preferred patient financing partner is Cherry, which consistently offers the highest approval rates of any financing option we provide. Cherry is designed specifically for healthcare, which means faster decisions, more flexible terms, and a simpler application than traditional credit products. Qualified patients are eligible for 0% financing for up to 24 months, meaning you pay exactly what the procedure costs with no added interest.

How Cherry Financing Works

1
Apply in Under a Minute
A quick application that does not affect your credit score. No lengthy paperwork or waiting period.
2
Get an Instant Decision
Approvals are instant so you know your plan before you leave the consultation.
3
Start Treatment Same Day
0% financing for up to 24 months for qualified patients — no added interest, no hidden fees.

Cherry offers multiple plan lengths to fit a wide range of budgets. Whether you are financing a single implant or a full-arch restoration, we will help you find a plan that works. Apply for Cherry financing directly using the location-specific link below:

Apply with Cherry — Charlotte Apply with Cherry — Tega Cay

CareCredit Financing

We also accept CareCredit, a trusted healthcare credit card that gives patients the flexibility to pay over time. CareCredit is widely used for dental and oral surgery procedures and offers a range of promotional financing options depending on the purchase amount and plan selected. If you already have a CareCredit card, you can use it at either of our locations.

Apply for CareCredit — Charlotte

Payment Methods We Accept

For patients paying at the time of service, we accept all major forms of payment at both our Charlotte and Tega Cay locations:

💳
Credit & Debit Cards
Visa, Mastercard, and American Express accepted
🏦
Checks & Cash
Personal checks and cash welcome
💰
HSA & FSA Cards
Use pre-tax funds before your benefit year resets
🌸
Cherry Financing
0% for up to 24 months for qualified patients
💙
CareCredit
Flexible healthcare credit card accepted at both locations

Does Insurance Cover Oral Surgery?

Many oral surgery procedures are partially covered by PPO dental insurance plans. Wisdom teeth removal and medically necessary extractions are among the most commonly covered procedures. Coverage for dental implants varies by plan. Our team verifies your benefits before your appointment so you walk in knowing exactly what is and is not covered. For a full overview of the insurance plans we accept, visit our insurance page.

Our Office Hours

Both our Charlotte, NC and Tega Cay, SC locations are open during the following hours:

Charlotte, NC
Monday – Thursday: 8:00 AM – 4:00 PM
Friday: 8:00 AM – 2:00 PM
Tega Cay, SC
Monday – Thursday: 8:00 AM – 4:00 PM
Friday: 8:00 AM – 2:00 PM
Ready to Discuss Your Payment Options?
Our team will walk you through every financing and payment option at no cost. Reach us at either our Charlotte, NC or Tega Cay, SC location.

Make Oral Surgery Work for Your Budget

At Harmony Dental Implants and Oral Surgery, we believe the right surgeon and the right plan should be within reach for every patient. Dr. Patel and her team are happy to review your financing options during your consultation at either our Charlotte, NC or Tega Cay, SC location — no pressure, no surprises. If you have questions about insurance coverage instead, visit our insurance page or contact our office and we will walk you through both.