Easy, Fast, and Flexible Financing for Everyone - 0% Interest for 12 Months!
Financing in Summerlin & Las Vegas
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Affordable Smiles Start with Simple Financing
Stress-Free Financing for Your Dental Care
We believe finances shouldn’t stand between you and a healthy, confident smile. That’s why Summerlin Dental Solutions partners with HFD to offer fast, flexible, and patient-friendly financing—with approval in less than a minute!
How It Works:
- Visit Us First – Stop by for a consultation to get your personalized treatment estimate.
- Easy, One-Minute Application – We’ll submit your treatment amount to HFD, and you apply on the spot.
- Get Approved—Almost Everyone Is! – No impact on your credit and 0% interest financing for 12 months.
- Start Treatment Right Away – No waiting, no stress—just the care you need with a payment plan that fits your budget.
No early payoff penalties. No hidden fees. Just an easier way to pay for the smile you deserve.
Your Dental Health Should Never Wait Because of Cost
One of the most common reasons people postpone dental treatment is concern about cost. Whether it is a cosmetic procedure you have been thinking about for years, dental implants to replace missing teeth, or the restorative treatment your dentist has recommended, delaying care almost always leads to bigger problems and higher costs down the road. A small cavity that could be treated with a simple filling today can become a root canal and crown in six months. A tooth that needs a crown today may require an extraction and implant if ignored.
At Summerlin Dental Solutions, Dr. Marianne Cohan believes that finances should never stand between you and the healthy, confident smile you deserve. That is why our practice partners with HFD (Healthcare Finance Direct) to offer fast, flexible, and patient-friendly dental financing in Las Vegas and Summerlin with approval in under a minute and 0% interest for 12 months. Our goal is to make it as easy as possible for every patient to say yes to the care they need, without the stress of a single large payment.
The reality is that dental problems do not get better on their own, and the financial cost of waiting almost always exceeds the cost of treating the issue promptly. A patient who delays a recommended crown because of cost concerns may find themselves facing an emergency extraction and an implant that costs three to four times more than the original crown would have. Financing eliminates this cycle by allowing you to address dental issues at the optimal time when treatment is simpler, less invasive, and less expensive while spreading the cost over manageable monthly payments that fit comfortably within your budget.
Call us today at (702) 341-9160 to schedule your consultation and take the first step toward affordable, stress-free dental care!
Affordable Smiles for Every Budget
Insurance or Financing, We Have a Plan for You
0% Interest for 12 Months
Pay over a full year with no interest charges, no hidden fees, and no surprises on your monthly statement.
Approval in Under 60 Seconds
Apply right in our office during your consultation. Most patients are approved on the spot before they leave the chair.
No Credit Score Impact
HFD uses a soft inquiry that does not appear on your credit report or affect your credit score in any way.
No Early Payoff Penalties
Pay off your balance ahead of schedule any time you want there is never a penalty for paying early.
High Approval Rates
HFD approves the vast majority of applicants, including patients who may have been declined by other financing companies.
Simple Monthly Payments
Predictable, budget-friendly monthly payments so you always know exactly what to expect.
Our Financing Partner: HFD (Healthcare Finance Direct)
Summerlin Dental Solutions has carefully selected HFD as our financing partner because their program is designed around the patient experience not around paperwork and bureaucracy. HFD specializes exclusively in healthcare financing, which means their application process, approval criteria, and payment terms are all built specifically for medical and dental patients rather than being adapted from a generic credit product.
What makes HFD different from traditional financing options is their commitment to accessibility. Their approval process uses a soft credit inquiry that does not affect your credit score, the application takes less than a minute to complete right in our office, and their approval rates are among the highest in the healthcare financing industry. For patients in Las Vegas and Summerlin who have been told no by other financing companies or who are worried that applying will hurt their credit, HFD offers a genuinely different experience.
How Dental Financing Works at Summerlin Dental Solutions
Getting started with dental financing at our Summerlin office is straightforward, and our team handles most of the process for you. There are no complicated forms to fill out at home, no waiting for mailed approvals, and no uncertainty about whether you qualify. Here is exactly what to expect:
Schedule Your Consultation
Apply in Under One Minute
Get Approved — Almost Everyone Is
Start Treatment Right Away
Treatments You Can Finance
Our dental financing through HFD can be applied to virtually any treatment offered at Summerlin Dental Solutions. Whether you need routine preventive care or a comprehensive treatment plan, financing makes it possible to move forward with confidence. Patients in Las Vegas and Summerlin most commonly use financing for the following types of dental care:
Cosmetic procedures are among the most popular treatments patients finance because they are typically elective and not covered by insurance. This includes porcelain veneers, professional teeth whitening, smile makeovers, teeth contouring, and anti-aging dentistry. Financing allows patients to invest in the smile they have always wanted without draining their savings or waiting months to save up.
Restorative treatments are another area where financing makes a meaningful difference. Dental implants, All-on-4 full-arch implant restorations, dental bridges, crowns, dentures, and full-mouth reconstruction are all treatments where the investment is significant but the long-term return in terms of oral health, comfort, and quality of life is substantial. Spreading the cost over 12 months at 0% interest means you can choose the best treatment option for your health rather than settling for a compromise based on what you can afford upfront.
Patients also frequently use financing for ClearCorrect clear aligners and orthodontic treatment, sedation dentistry for patients who need additional comfort support, gum disease treatment including deep cleanings, and emergency dental care when unexpected situations arise. No matter what type of dental care you need, our team will work with you to find a payment approach that makes sense for your situation.
Using Financing Together with Dental Insurance
If you have dental insurance, financing through HFD can be used to cover the portion of your treatment that insurance does not pay. Most dental insurance plans have annual maximums typically between $1,000 and $2,000 which means that for larger treatments, there is often a significant balance remaining after insurance has paid its share. Rather than paying that balance out of pocket all at once, you can finance it through HFD at 0% interest and spread it over comfortable monthly payments.
Our front office team is experienced at coordinating insurance benefits with financing to minimize your out-of-pocket cost. When you visit for your consultation, we will verify your insurance coverage, calculate your estimated benefits, and present you with a clear breakdown of what insurance covers and what your remaining responsibility would be. If you choose to finance the remaining balance, we handle the HFD application right then and there so everything is settled before you leave the office. For more details about our insurance policies, visit our insurance and financial information page.
For patients without dental insurance, financing becomes even more valuable. Many of the procedures that can transform your oral health and appearance veneers, implants, orthodontics, smile makeovers are partially or fully elective, meaning insurance may not cover them even if you have a plan. HFD financing ensures that whether you have insurance, have limited coverage, or have no insurance at all, you can still access the full range of dental care available at Summerlin Dental Solutions at the same level of quality that has earned Dr. Cohan 19 Best of Las Vegas awards. You can also use HSA (Health Savings Account) and FSA (Flexible Spending Account) funds to cover dental expenses, and our team can help you understand how to maximize those benefits alongside financing if applicable.
We also encourage patients to think of dental financing as an investment rather than an expense. The value of dental care extends far beyond the mouth healthy teeth and gums are directly connected to overall health, and a confident smile impacts everything from professional opportunities to personal relationships and self-esteem. When you consider that 0% interest financing through HFD means you are paying the exact same amount whether you pay today or spread it over 12 months, the decision to move forward with recommended treatment becomes significantly easier. There is simply no financial penalty for choosing the payment plan that works best for your budget.
Why Patients Choose Summerlin Dental Solutions for Affordable Dental Care
Financing is one part of a larger commitment at Summerlin Dental Solutions to making exceptional dental care accessible to everyone in the Las Vegas Valley. Dr. Cohan has built her practice on the principle that every patient deserves the same standard of care regardless of their budget, and that philosophy extends to every aspect of the patient experience.
When you visit our Summerlin office, you are seen by Dr. Cohan personally she is the only dentist at the practice, which means there are no rotating associates and no unfamiliar faces. This continuity allows Dr. Cohan to develop treatment plans that are tailored to your specific goals, timeline, and financial situation. She takes the time to explain every option, including the most conservative approaches, and she will never recommend treatment you do not need or push you toward a more expensive solution when a simpler one will achieve the same result.
Our advanced dental technology — including AI-assisted diagnostics, 3D CBCT imaging, and digital scanning — also plays a role in keeping treatment efficient and cost-effective. Digital workflows reduce the number of appointments required for many procedures, improve accuracy on the first attempt, and minimize the need for costly remakes or adjustments. Patients benefit from better outcomes and lower overall costs, and when combined with 0% financing, the financial barrier to quality dental care effectively disappears.
This approach to accessible, patient-centered care is one of the reasons the Las Vegas community has voted Dr. Cohan Best of Las Vegas 19 times — more than any other dentist in Nevada. Thousands of five-star patient reviews consistently cite not only the quality of care but the transparency, honesty, and financial flexibility that make Summerlin Dental Solutions feel different from other dental offices in the valley.
Patients throughout the Las Vegas area from Summerlin and Spring Valley to Henderson and Centennial Hills choose our practice because they know that financing conversations here are never awkward or high-pressure. Our team discusses costs openly, presents every available option including the most conservative approaches, and helps you build a financial plan that aligns with your priorities. For many patients, discovering that they can access 0% interest financing with no credit impact is the moment that transforms dental care from something they have been putting off into something they can finally move forward with.
Frequently Asked Questions About Dental Financing
Does applying for HFD financing affect my credit score?
No. HFD uses a soft credit inquiry to evaluate your application, which does not appear on your credit report and has no impact on your credit score. You can apply with confidence knowing that the process is completely risk-free from a credit perspective.
What if I have been turned down by other dental financing companies?
HFD has one of the highest approval rates in the healthcare financing industry. Many patients who have been declined by CareCredit or other third-party lenders are successfully approved through HFD. We encourage every patient to apply regardless of past experiences with other financing programs.
Can I use financing and dental insurance at the same time?
Absolutely. In fact, this is one of the most common ways patients use financing at our practice. We apply your insurance benefits first, then finance the remaining balance through HFD. Our team handles all the coordination so you know exactly what your monthly payment will be before you commit.
Is there a minimum or maximum treatment amount for financing?
HFD financing can be applied to treatment plans of varying sizes. Whether your treatment estimate is a few hundred dollars or several thousand, our team can submit it to HFD for consideration. Your territory manager and our front office team will confirm specific limits during your consultation.
What happens after the 12-month 0% interest period?
If your balance is paid in full within 12 months, you pay zero interest. If a balance remains after the promotional period, standard interest rates will apply to the remaining amount. We encourage patients to set up automatic payments that pay off the full balance within the 12-month window to take full advantage of the 0% interest offer.
Can I pay off my balance early without penalties?
Yes. There are no early payoff penalties with HFD financing. You can pay off your balance ahead of schedule at any time — whether that means making a lump-sum payment or simply paying more than your minimum each month.
Get Started Today
Getting the dental care you need should never be complicated, and at Summerlin Dental Solutions it does not have to be. Schedule a consultation with Dr. Cohan and our team will walk you through every financing option available to you from HFD’s 0% interest plans to insurance coordination to HSA and FSA optimization. There is no obligation, no pressure, and no judgment. Just straightforward answers about how we can make your treatment affordable.
Schedule Your Consultation
Call (702) 341-9160 or book online today.
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Summerlin Dental Solutions • 851 S Rampart Blvd, Suite 230 • Las Vegas, NV 89145
