BP
Bread Pay®
True 0% financing up to $15k for prime patients. Near-prime patients still get an affordable path with a low, 3.19% interest-bearing option.
| Term | Loan Type | Merchant Fee |
|---|---|---|
| 6 month | True 0% | 5.75% |
| 12 month | True 0% | 8.90% |
| 18 month | True 0% | 10.50% |
| 24 month | True 0% | 13.75% |
| 6–60 month | Installment | 3.19% |
FICO 660+. Perfect for prime customers up to $15k with a TRUE 0% offer — near-prime customers can choose the interest-bearing installment option instead, at a super-low 3.19% merchant fee.
SC
Scratch
0% promotional financing for prime and near-prime patients: 580+ FICO, up to $10k.
| Promo / Term | Loan Type | Merchant Fee |
|---|---|---|
| 6mo / 12mo | Promo | 8.00% |
| 6mo / 18mo | Promo | 8.00% |
| 12mo / 36mo | Promo | 11.00% |
Promo months / total term. $200 minimum; $2,000 minimum on 12m/36m terms. 32.99% APR applies to any loan balance remaining after the promo period.
HFD
HFD
Fixed-rate installment plans from $200 to $25k, built for credit-challenged patients who don't qualify for prime offers.
Dental Installment · $200 – $10,000
| FICO Range | Terms | Merchant Fee | Down Pmt |
|---|---|---|---|
| 750–999 | 18/24/36 mo | 4.50% | N/A |
| 680–749 | 18/24/36 mo | 5.50% | N/A |
| 640–679 | 18/24/36 mo | 10.00% | N/A |
| 600–639 | 18/24 mo | 15.00% | 15% |
| Below 600 | 18/24 mo | 22.00% | 30% |
Highline Installment · $10,000.01 – $25,000
| FICO Range | Terms | Merchant Fee | Down Pmt |
|---|---|---|---|
| 750–999 | 36–72 mo | 4.00% | N/A |
| 680–749 | 36–72 mo | 7.00% | N/A |
| 640–679 | 36–72 mo | 12.00% | N/A |
| 600–639 | 36–72 mo | 15.00% | 5% |
Below 600 FICO is capped at $5,000. 36-month term available to 640+ FICO only. Max amount by tier: 750+ $25k · 680–749 $20k · 640–679 $15k · 600–639 $15k.
PF
Proceed Finance
Financing up to $75k for surgical and implant cases, with fixed rates and no down payment.
Large Dollar Cases
| Program | Terms | FICO | Merchant Fee |
|---|---|---|---|
| Platinum | 24–72 mo | 680–850 | 3.90% |
| Standard | 24–96 mo | 700–850 | 4.25% |
| Standard | 24–96 mo | 680–699 | 10.25% |
| Standard | 108–120 mo | 700–850 | 7.25% |
| Standard | 144 mo | 770–850 | 7.25% |
Platinum: $1,500 – $7,500. Standard: $2,500 – $75,000. Fixed rate; no down payment.
Fast Decision Path
- Prime or near-prime credit, up to $15k: start with Bread Pay or Scratch.
- Broader credit access needed, up to $25k: HFD covers Dental and Highline tiers.
- Larger surgical or implant cases, up to $75k: Proceed Finance.
- Doesn't qualify for financing: offer an in-house Payment Arrangement instead.