Affirm Dental Financing

Dental Financing with Affirm

At Lakefront Family Dentistry, we believe cost shouldn’t stand in the way of your oral health. That’s why we offer Affirm as a simple, transparent way to finance your dental care. This allows you to receive treatment now and pay over time.

We partner with Affirm so qualified patients can split the cost of dental work into monthly payments with no hidden fees.

Affirm Dental Financing at Lakefront Family Dentistry in Lake Elsinore, California

Why Choose Affirm for Dental Financing?

  • Transparent, fixed terms. Your interest rate and monthly payments are displayed before you commit — no surprises.

  • Flexible plans. Depending on your credit profile and treatment cost, you may qualify for 3, 6, 12, 18, 24, or even 36 month plans.

  • No hidden fees or late charges. Affirm does not charge compounding interest or hidden penalties.

  • Credit decision is simple. A soft credit check is used to determine eligibility (this check won’t affect your credit score).

  • Instant decision and approval. Many patients are approved immediately and can begin treatment without delay.

  • Affordable access to care. Especially for larger procedures (e.g. implants, orthodontics, cosmetic dentistry), Affirm helps break down the cost into manageable payments.

What Dental Treatments are Eligible Using Affirm?

Affirm can be used for many of the more significant or cosmetic dental treatments, including but not limited to:

If you are not sure a particular procedure qualifies, simply ask our patient coordinators at Lakefront Family Dentistry and we will be happy to check your eligibility.

How It Works — Step by Step

  1. Receive your treatment plan. After your exam and consultation, our team will present the recommended procedures and total cost.

  2. Select “Affirm” as your payment option. During check-out, you’ll choose Affirm as your financing method.

  3. Apply via Affirm. You’ll fill out your financing request (name, income, and a few basic details).

  4. Soft credit check (no impact). Affirm will evaluate your eligibility without hurting your credit score.

  5. Get your offer. If approved, you’ll see the available plans (3, 6, 12, 24 months, etc.), your APR, and your monthly payment.

  6. Accept the plan and proceed. Once you pick a plan and agree, we can schedule and begin the procedure right away.

  7. Make monthly payments to Affirm. You’ll pay Affirm directly, per your agreed plan. Payment reminders and statements come from Affirm.

Note: Once the loan is in place, payment history may be reported to credit bureaus. This depends on Affirm’s policies.

Example Scenario

Imagine you need a dental implant with crown costing $3,500.

  • If you qualify, you may choose a 12-month plan.

  • Affirm might offer 0% APR (if eligible) or a low fixed APR (e.g. 9–15%)

  • Your monthly payment might be as low as ~$292/month over 12 months

  • You can begin the procedure immediately, instead of waiting to save

This breakdown makes high-quality care more accessible.

Affirm Dental Financing Frequently Asked Questions (FAQ)

Will using Affirm hurt my credit?

Affirm uses a soft credit check for prequalification — this does not impact your credit score. Once you accept a plan, Affirm may report payment activity to credit bureaus (check with Affirm for their current policy).

What APRs and terms are available?

APR and term options depend on your credit eligibility and the cost of your treatment. Affirm typically offers between 0% and 36% APR on installment loans.

Is there a maximum amount I can finance?

Affirm's typical maximum for consumer purchases can go up to $25,000, but the limit for medical/dental providers might vary. (Affirm’s expansion into elective medical financing suggests they support higher-cost purchases.)
Ask our front desk what maximum loan amount we can accept via Affirm.

Can I use Affirm along with insurance or discounts?

Yes. We’ll first apply any insurance or membership discounts, then you can choose Affirm to cover the remaining balance.

What happens if I miss a payment?

Affirm does not charge late fees, but missed payments may incur penalties or impact your credit score. Always pay by the due date.

Can I pay off my plan early?

Yes. You may pay off the remaining balance early, and you’ll only owe interest up to that point.

Why Does Lakefront Family Dentistry Picks Affirm?

At Lakefront Family Dentistry, we want to make quality dental care as accessible as possible. Offering Affirm means fewer financial barriers for our patients. You no longer have to delay or decline essential or elective treatment because of upfront cost.

We combine this with our other options — CareCredit, in-office payment plans — to build a truly patient-friendly financing strategy.

Ready to Move Forward?

If you’re considering a procedure and want to learn which Affirm plan you qualify for, just let us know during your consultation. Our team will walk you through the process. No surprises. No delays.

Contact us at (951) 244-9495 or use our online Request Appointment form and ask: “Can I finance with Affirm?”

Footer / Disclaimer

Financing is subject to credit approval by Affirm. Terms (APR, payment schedule, loan amount) vary based on applicant credit profile. Affirm’s terms and policies may change over time — patients should review the final agreement before accepting. Lakefront Family Dentistry is not the lender. This page is for informational purposes and is not a contract.