Have dental insurance?
We bill your insurer first, in most cases directly. A payment plan can cover your share, such as your co-payment or costs above your plan's yearly maximum.
Insurance and direct billingPayment plans
Pay for dental treatment in monthly payments
Oak & Pearl Dental offers patient financing through iFinance Canada's Dentalcard plan. We give you a clear estimate first, then you can spread the cost of your treatment over 12 to 84 months.
- Apply online in about 5 minutes
- Get a decision right away
- Checking if you pre-qualify doesn't affect your credit score
- Use it alongside your dental insurance
How it works
From estimate to treatment in four steps
You know the cost of your treatment before you apply, and you see the full terms of your plan before you accept.
- 1
Get your estimate
Your dentist explains your treatment options. We give you a clear estimate of the cost and what your insurance is expected to pay, so you know the amount you need.
- 2
Apply online
Apply with iFinance Canada on your phone or computer. It takes about five minutes, and you get a decision right away.
- 3
Review your plan
Choose a term from 12 to 84 months. Before you accept, iFinance Canada shows you your interest rate, your monthly payment and the total cost.
- 4
Start your treatment
iFinance Canada pays Oak & Pearl Dental, and you make fixed monthly payments to iFinance Canada.
What you can finance
Use a payment plan for most dental treatment
Treatment costs from $500 to $50,000 can be financed, including the part your insurance doesn't cover.
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Invisalign® clear aligners
Straighten teeth with clear, removable aligners.
About this treatment -
Dental implants
Replace a missing tooth with an implant and crown.
About this treatment -
Crowns and bridges
Restore a damaged tooth or replace a missing one.
About this treatment -
Veneers
Thin shells that change the shape or colour of front teeth.
About this treatment -
Dentures
Complete or partial dentures, made to fit you.
About this treatment -
Root canal treatment
Treat an infected or inflamed tooth and keep it.
About this treatment -
Wisdom teeth removal
Remove wisdom teeth that cause problems.
About this treatment -
Emergency dental care
Tooth pain, swelling or a broken tooth.
About this treatment
Insurance and payment plans
Works with your insurance, or without it
Whatever your coverage, you know the cost of your treatment before it begins.
No insurance?
A payment plan lets you start treatment without paying the full cost up front, with fixed monthly payments over a term you choose.
Apply with iFinance (opens in a new tab)Planning larger treatment?
For treatment like implants or Invisalign®, we can ask your insurer for a predetermination first, so you know what is covered before you apply.
Call (519) 707-3288Who provides the payment plans?
iFinance Canada, through its Dentalcard plan. Your payment plan is a loan from iFinance Canada, not from Oak & Pearl Dental. iFinance Canada handles your application, approval and monthly payments.
Will applying affect my credit score?
According to iFinance Canada, checking whether you pre-qualify doesn't affect your credit score. If you decide to go ahead with the loan, iFinance Canada completes a full credit review.
How much can I finance, and for how long?
Treatment costs from $500 to $50,000 can be financed, with terms from 12 to 84 months. You choose the term that suits your budget when you apply.
What interest rate will I pay?
iFinance Canada sets your interest rate based on your application and credit history. You see your rate, monthly payment and total cost before you accept, and your rate is fixed for the term of your loan.
Can I pay off my plan early?
Yes. You can pay off your loan early with no prepayment penalty.
Can I apply before my appointment?
Yes. You can apply online at any time, including before your visit, to see what you pre-qualify for. Once you have your treatment estimate from us, you know exactly how much you need.
Can I use a payment plan with my dental insurance?
Yes. We bill your insurance first, in most cases directly. A payment plan can then cover your share, such as your co-payment, costs above your plan's yearly maximum, or treatment your plan doesn't cover.
Which treatments can I finance?
Most dental treatment can be financed, including Invisalign® clear aligners, implants, crowns and bridges, veneers, dentures, root canal treatment and emergency care, as long as the amount is at least $500.
What if my application isn't approved?
Talk to us. We can go over your treatment estimate with you, check what your insurance covers, and your dentist can talk with you about which treatment to start with.
Ready when you are
Plan your treatment with monthly payments
Apply online with iFinance Canada in about five minutes, or call us with any questions about your estimate or your coverage.
