Most common
Insurance, billed directly
We submit claims straight to your insurer and collect their portion directly — you pay only what your plan doesn't cover. No paperwork, no waiting for reimbursement.
Making quality dentistry affordable
Cost should never stand between you and a healthy smile. Between direct insurance billing, the Canadian Dental Care Plan, 0% in-house plans, and long-term financing — there's almost always a way. We'll help you find it.
- Direct insurance billing
- CDCP accepted
- 0% in-house plans
- Financing 12–60 months
Your options
Four ways to pay for your care
Most patients combine two or more — insurance or CDCP first, then a payment plan for whatever remains.
Government program
CDCP
No private insurance and a household income under $90,000? The Canadian Dental Care Plan may cover most of your care — and we handle the claims.
How CDCP works here
0% interest
In-house payment plans
On selected treatments — including Invisalign and implants — split the cost into equal monthly payments over up to 12 months, interest-free. Reviewed case by case, pressure-free.
12–60 months
LendCare financing
Prefer smaller payments over a longer period? Our partner LendCare finances roughly $500–$15,000 over 12 to 60 months, with rates based on your credit profile.
At a glance
Which option fits you?
| Option | Best for | Terms | Interest |
|---|---|---|---|
| Insurance direct billing | Anyone with work, private, or family dental coverage | Pay only your co-payment at the visit | — |
| CDCP | Canadians without private insurance, household income under $90,000 | Government pays the clinic; some treatments have a co-payment | — |
| In-house plan | Invisalign, implants & selected treatments | Equal monthly payments, up to 12 months | 0% |
| LendCare | Larger treatment plans, longer repayment | $500 – $15,000 over 12–60 months | Varies by credit profile |
Options can be combined — insurance or CDCP is applied first, and a payment plan can cover the remainder.
Accepted payment methods
Pay the way that suits you
At the front desk or over the phone — every major payment method is welcome.
- VISA Visa
- Mastercard
- American Express
- JCB
- Apple Pay
- Interac Debit
- Cash
- Intuit QuickBooks
- Insurance direct billing & CDCP
How financing works
Four steps, no pressure
Quick online application
Complete a secure LendCare application — pre-qualification uses a soft credit check that doesn't affect your score.
Decision in minutes
You typically receive a pre-approval decision and amount within minutes.
Review with our team
We go over your treatment plan and financing amount together, so the numbers are clear before anything starts.
You decide
Proceed, adjust, or take time to think — your call, always.
No surprises, ever
- Written cost estimates before treatment begins — always
- Insurance coverage confirmed up front
- Treatment plans staged by priority when budgets are tight
Good to know
Finance & insurance questions
Which insurance plans do you accept?
We work with virtually all major Canadian dental insurance providers and bill them directly whenever the plan allows assignment. Bring your insurance details to your first visit — or send them ahead — and we'll confirm your coverage before treatment.
What does 'direct billing' actually mean?
Instead of paying the full fee and waiting for reimbursement, we submit the claim to your insurer and collect their portion directly. You pay only your co-payment or deductible at the visit.
Does applying for LendCare financing affect my credit score?
Pre-qualification uses a soft credit inquiry that does not affect your score. You'll see your approved amount and terms before deciding anything.
Can I combine insurance, CDCP, and financing?
Insurance or CDCP is applied first; financing can cover the remaining balance. Our front office team — Kathy and Samantha — will map out exactly how your costs break down before treatment starts.