Quality dental care should never be out of reach — flexible financing makes it possible.
Flexible Dental Financing That Works for You
Cost is one of the most common reasons patients delay or avoid dental care, and we take this concern seriously at Lumin8 Dentistry. According to the American Dental Association’s Health Policy Institute, nearly one in five working-age adults reported skipping needed dental care due to cost in 2022. That statistic reflects a real barrier that we want to help remove for patients throughout Lakewood, WA and the surrounding communities. Whether you’re considering dental implants, a smile transformation, or simply need to get back on track with your oral health, we offer financing solutions designed to make treatment accessible on your terms. As a new patient, you’ll find that our team is upfront about costs and committed to helping you find a payment path before treatment begins — no surprises, no pressure.Financing Information
Third-Party Financing Through Cherry and CareCredit 
At Lumin8 Dentistry, we partner with two of the most trusted names in healthcare financing: Cherry and CareCredit. These third-party financing programs allow patients to break treatment costs into manageable monthly payments, making it easier to move forward with the care they need without delaying or compromising their treatment plan. Both options are available to patients pursuing a wide range of services, from cosmetic procedures to restorative and emergency care.
Cherry offers 0% interest financing for 24 months, which is a meaningful option for patients considering higher-value treatments where spreading payments over time makes a significant difference. CareCredit is another well-established healthcare credit option that many patients already carry and can use immediately at our office.
Our accepted payment and financing options include:
- Cherry — 0% interest financing for 24 months
- CareCredit — healthcare credit financing
- HSA/FSA funds — health savings and flexible spending accounts accepted
- Credit and debit cards — all major cards accepted
- Cash
- Personal check
Process
Getting started with financing at Lumin8 Dentistry is straightforward. Here is what to expect from start to finish.Consultation
Schedule a visit with Dr. Jun Carrington to review your dental needs and goals. Whether you’re coming in for cosmetic dentistry or a restorative procedure, this appointment gives you a clear picture of recommended treatment and associated costs.Selection
Once you have your treatment plan and cost estimate in hand, our team will walk you through Cherry and CareCredit so you can decide which program best fits your budget and timeline. There is no obligation, and we’re here to answer any questions you have.Application
Both Cherry and CareCredit have their own application processes handled directly through their respective platforms. Applications are typically quick, and many patients receive a decision promptly so care can begin without unnecessary delay.Treatment
Once financing is in place, we can schedule your treatment. Our goal is to make the transition from financial planning to dental care as smooth as possible, so you can focus on your health and your smile rather than the logistics.Financing for High-Value Dental Procedures
Making Major Treatment Accessible
Some of the most impactful dental procedures—dental implants, full mouth reconstruction, porcelain veneers, and cosmetic smile makeovers—represent meaningful investments in your health and confidence. These are also the types of treatments that patients most commonly need financing for, and exactly where options like Cherry’s 0% interest offer for 24 months can make the biggest difference. At Lumin8 Dentistry, Dr. Carrington and our team are committed to making high-value care available to the full community we serve in Lakewood, WA, including military families covered under TRICARE, Medicare Advantage patients, and patients navigating care without traditional dental insurance. We understand that every patient’s financial situation is different, and we work with you to find a path forward. If your dental insurance covers a portion of your treatment, financing can bridge the gap for any remaining balance so you don’t have to choose between your health and your budget. For patients exploring treatment options, we also encourage you to review our insurance and financing page and our available new patient specials, which may further reduce your out-of-pocket costs.Frequently Asked Questions
We understand that financing dental care comes with questions. Here are the answers to some of the most common ones we hear from patients at our Lakewood, WA, practice.Does applying for Cherry or CareCredit affect my credit score?
Both Cherry and CareCredit conduct their own application processes, which may include a credit check. We recommend reviewing the terms directly with each provider before applying. Our team is happy to help you understand the options and point you in the right direction.Can I use financing even if I have dental insurance?
Yes. Many patients use financing to cover the portion of treatment costs not paid by their insurance plan. Financing through Cherry or CareCredit can be combined with your insurance benefits to help reduce what you pay out of pocket. Our front desk team can help you understand how your coverage applies before your appointment.What types of procedures can I finance at Lumin8 Dentistry?
Financing is available for a wide range of treatments we offer, including dental implants, cosmetic procedures, restorative care, and more. If you have questions about whether a specific treatment qualifies, contact our office, and a member of our team will be glad to help you plan before your visit at lumin8dentistry.com/contact-us/.Affiliations & Education
