Will applying hurt my credit score?

No. Checking your options uses a soft credit check that does not affect your credit score. You can see what you qualify for before committing to anything.

Dental Financing in Miami | 0% Plans from $167/mo

Q: Is there a down payment?

For most qualified patients there is no down payment required on approved credit. We'll confirm your exact terms in writing before any treatment begins.

How it works

Care that fits your monthly budget.

We make paying for treatment simple, transparent and stress-free. Here's everything you get when you finance your care with Prana.

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Apply in minutes

A short online application you can complete before your visit, from your phone, in just a few minutes.

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No down payment

Most qualified patients start treatment with $0 down on approved credit — no big upfront cost.

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0% interest options

Qualified patients can spread the cost over time at 0% interest, so you pay for care, not finance charges.

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Soft credit check

See what you qualify for first. Checking your options won't hurt your credit score.

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Most insurance accepted

We accept most major dental insurance, and financing covers anything your plan doesn't.

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Decisions in minutes

No long waits. Most approvals come back fast, so you can plan your treatment the same day.

Our partners

Trusted financing, flexible options.

We work with leading patient-financing partners so you can choose the plan that fits you best — including 0% interest options on approved credit.

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CareCredit

One of the most widely used healthcare credit options, with promotional 0% interest plans for qualifying patients.

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Cherry

Fast, modern monthly payment plans with a quick soft-check application that won't affect your credit.

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LendingClub

Flexible longer-term plans for larger treatments, with clear fixed monthly payments.

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Sunbit & more

Additional buy-now, pay-over-time options so nearly every patient finds a plan that works.

Example plan

What a plan can look like.

A real-world example so you can picture the monthly cost. Your exact plan is confirmed in writing at your free consult.

All-on-4 · 1 Arch

~$167/mo · 60 months

✓ Total $9,999 · 0% interest (OAC)
✓ No down payment for qualified patients
✓ Soft check — won't affect your credit
✓ Final terms confirmed in writing at your consult

Check my options

Individual plans vary. Subject to credit approval.

Flexible financing

Care shouldn't wait for your budget. We offer 0% interest plans on approved credit, with payments starting at $167/month, no down payment for qualified patients, and no impact to your credit to apply.

CareCreditCherryLendingClubSunbit

Your free first-visit consult ($700 value) includes a written quote and your financing options, with zero obligation.

Getting started

From quote to care, step by step.

01

Free consult & quote

We listen first, then give you a clear, written quote — a $700 value, with no cost and no obligation.

02

Choose a plan

We walk you through your financing and insurance options and help you pick the monthly payment that fits.

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Quick approval

Apply with a soft check that won't hurt your credit. Most decisions come back in minutes.

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Start treatment

Begin your care with confidence, knowing exactly what you'll pay each month — no surprises.

Peace of mind

Financing that feels fair.

No surprises

Clear, written terms before anything begins. You'll always know exactly what you pay each month.

Insurance-friendly

We accept most major dental insurance and let financing cover whatever your plan doesn't.

No credit-score hit to apply

Checking your options uses a soft check, so seeing what you qualify for won't affect your credit.

Questions

Financing, answered.

Do you offer payment plans?

Yes. We offer flexible monthly payment plans through trusted partners like CareCredit, Cherry and LendingClub, with payments starting from $167/month on approved credit. Most decisions come back in minutes.

Is it really 0%?

Yes — 0% interest plans are available for qualified patients on approved credit. We'll walk you through the exact terms at your free consult so there are no surprises. Individual plans vary and are subject to credit approval.

Will applying hurt my credit?

No. Checking your options uses a soft credit check that does not affect your credit score, so you can see what you qualify for before committing to anything.

Is there a down payment?

For most qualified patients there's no down payment required on approved credit. We'll confirm your exact terms in writing before any treatment begins.

Do you take insurance?

Yes. We accept most major dental insurance and help you get the most from your benefits. Financing can cover anything your plan doesn't, so cost never stands between you and care.

What if I'm not approved?

You have options. We work with several financing partners, so if one doesn't fit we can explore another, plus in-house arrangements and insurance. Our team will help you find a path that works.

Care you can afford starts here.

Book your free first visit — a $700 value including a 3D scan, an honest plan, and your financing options. Plans from $167/mo, 0% on approved credit, and no credit-score hit to apply.

Check my options Call (786) 579-0521