Dental Financing

Quality dental care should never be out of reach because of cost. At Pearl Smile Center, we offer multiple flexible financing and membership options so you can get the treatment you need on a schedule that works for your budget.

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Dental financing options at Pearl Smile Center in Memorial TX

Financing Information

Flexible Payment Options for Every Patient

We believe that cost should never stand between you and a healthy, confident smile. Whether you have dental insurance, are between plans, or prefer to pay out of pocket, Pearl Smile Center has a payment solution designed to meet your needs. We work with leading third-party financing partners and offer our own in-house membership plan to keep care affordable for every patient in the Memorial area.


CareCredit — low and no-interest payment plans

Cherry — quick approval, flexible monthly payments

Office Loyalty Plan — in-house membership for uninsured patients

Most major PPO dental insurance plans accepted

Complimentary consultations available

How It Works

Getting started with financing at Pearl Smile Center is simple. Follow these four steps to begin your treatment without delay.


1.
Schedule a Consultation

Book your complimentary consultation online or by calling (713) 461-3200. Our team will review your dental needs and outline your recommended treatment plan.

2.
Review Your Options

We will walk you through all available payment options — insurance benefits, CareCredit, Cherry financing, and our Office Loyalty Plan — so you can choose what fits your situation best.

3.
Apply in Minutes

Applying for CareCredit or Cherry takes just minutes and can be done in our office or online before your appointment. Most patients receive a quick decision with no hard credit inquiry required.

4.
Begin Your Treatment

Once your financing is approved, we schedule your treatment right away. You will leave Pearl Smile Center with a clear payment plan and a path to the healthy smile you deserve.

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Office Loyalty Plan at Pearl Smile Center Memorial TX

Office Loyalty Plan

Affordable Care Without Insurance

If you do not have dental insurance, our Office Loyalty Plan is designed for you. For a simple annual membership fee, you receive comprehensive preventive care plus meaningful discounts on all additional treatment — no deductibles, no waiting periods, no claim forms.

Adults enroll for $325/year and children for $295/year. Membership includes two hygiene visits per year with a comprehensive exam, four bitewing X-rays, and prophylaxis or periodontal maintenance, plus three focused-problem visits for urgent concerns covering exams and necessary X-rays, and discounts on all other procedures.

Our loyalty plan is available in English and Spanish, and is especially designed to serve the Memorial and Spring Branch communities. Contact our office to enroll or learn more.

Frequently Asked Questions

Have questions about financing your dental care at Pearl Smile Center? We have answered the most common ones below.

Does CareCredit charge interest?
CareCredit offers promotional periods with no interest if the balance is paid in full within the promotional window. Standard interest rates apply if the balance is not paid in full by the end of that period. Our team can walk you through the current promotional offers when you visit.
Can I use Cherry financing for any dental procedure?
Yes — Cherry can be used toward any dental treatment we offer at Pearl Smile Center, including cosmetic procedures, dental implants, restorative work, and general dentistry. The application takes just minutes and approval decisions are fast.
What does the Office Loyalty Plan cover?
The plan includes two hygiene visits per year with a comprehensive exam and X-rays, three focused-problem visits for urgent concerns, and discounts on all other procedures. Adults enroll for $325/year and children for $295/year. There are no deductibles, no waiting periods, and no insurance claim forms.
Can I combine financing with my dental insurance?
Yes. Many patients use their insurance to cover their benefit maximum and then apply CareCredit or Cherry to cover any remaining out-of-pocket balance. Our front office team will help you coordinate your benefits and financing so you can maximize your coverage and minimize what you owe.

Ready to discuss your financing options? Our team is here to help.

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