Financing
Smart options for every budget.
At Stephen Cheung DDS, we believe financial constraints should not be a barrier to receiving high-quality dental care.
CareCredit
Finance your care with confidence.
CareCredit lets you break the cost of treatment into predictable monthly payments - so you can start care now and pay over time.
- Low minimum monthly payments
- No-interest options available
- No up-front costs or annual fees
- Quick online or in-office approval
In-House Membership
Your ticket to affordable dental care.
No insurance? Our $599/year plan covers preventive care and unlocks a 15% discount on all additional treatments - no deductibles, no waiting periods.
- Discounted rates on all dental procedures
- Two free dental cleanings per year
- One set of X-rays per year at no additional cost
- Priority scheduling for appointments
Sunbit
Split your care into easy payments.
Sunbit lets you pay for treatment over time with a fast, low-pressure approval - check your options in seconds, right in our office, without impacting your credit score.
- Checking your options won’t affect your credit score
- Fast approval - right here in our office
- Split treatment into flexible monthly payments
- Transparent terms with no surprises
Why Choose Our Options
Care that respects your wallet.
Three principles guide how we price, quote, and collect for every treatment.
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Transparency
No hidden fees or surprises. Every option is explained clearly before you decide.
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Flexibility
Payment schedules we can customize to your budget and the care you need.
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Accessibility
Multiple pathways - insurance, membership, CareCredit - so care fits everyone.
How to Apply
Three simple steps.
Getting approved takes minutes - most patients leave with a decision and a plan the same day.
- 01
Consult with the team
We review your treatment plan and talk through financing options together.
- 02
Choose what fits
Pick the financing path that works best for your timeline and budget.
- 03
Apply and get approved
Complete a quick application - most patients get an instant decision.
Common Questions
FAQs about financing.
Answers to the questions we hear most from patients weighing their payment options.
What payment options are available?
Stephen Cheung DDS accepts all major credit cards, debit cards, and cash payments. Patients can also take advantage of financing options like CareCredit and our in-house membership plan.
Does the office accept dental insurance?
Yes. We accept most PPO dental insurance plans - Delta Dental, MetLife, Cigna, Guardian, Aetna and more. Our team files claims on your behalf and helps you understand your coverage.
Can I get treatment without insurance?
Absolutely. Dr. Stephen Cheung believes everyone deserves access to quality dental care. Our in-house membership plan and CareCredit financing make care affordable for patients without insurance.
How does CareCredit financing work?
CareCredit lets you pay for treatment in predictable monthly installments. You can apply online or in our office and often get an instant approval decision. Many patients qualify for low- or no-interest promotional periods.
What is Sunbit and how does it work?
Sunbit is a pay-over-time financing option we offer right in the office. Checking your options takes seconds and won't affect your credit score, most patients qualify, and you can split the cost of treatment into flexible monthly payments with transparent terms.
Does the office offer discounts for full payment?
Yes. Patients paying in full at the time of treatment may qualify for a courtesy discount. Ask us about it when you plan your treatment.
From the Journal
Plan ahead, pay less
Dental Tips
Dental Benefits: Why Now is the Time to Act
Unused dental insurance benefits expire at the end of each year. Learn why scheduling treatment now helps you get the most from your plan and avoid losing valuable coverage.
Dental Tips
Navigating Dental Insurance: A Patient's Guide to Maximizing Benefits
Dental insurance can be confusing with its deductibles, maximums, and coverage tiers. This guide helps you understand your plan and get the most from your benefits each year.
Book Today
Take the next step to affordable dental care.
Ready to get started? Call us or book online - we'll walk you through your options and find the right fit.