Financing & Payments

To help with your dental costs, SmilesRForever has 4 ways to pay for patients without dental insurance:

  • Prepay entire treatment in advance at the time of consult and save 10%!
  • Pay half at start of treatment and half at date of finished treatment
  • Care Credit up to 60 months!
  • Date of service pay using check, cash, or credit card

We also offer and always recommend Patient First, which we believe is BETTER than insurance! NO annual limits, NO deductibles, NO fine print or clauses!!

Call us at 618-939-4042 to get started on your best smile yet!

Have you ever wished that you didn’t have to wait to begin treatment with Invisalign or braces? Have you postponed crowns or a smile makeover? Now there’s no reason to forego the dental care that you need and want. With CareCredit, the smile you desire is within reach.

CareCredit is an exciting new way to help patients finance dental treatment, preventing delays which could postpone a beautiful new smile or cause an untreated dental condition to worsen. Certain CareCredit plans are even offered with no interest financing! (See our offices for more information.)

CareCredit has made it easy for more than 4 million patients nationwide to get the treatment that they need; over 90,000 United States healthcare practices accept CareCredit as payment for medical services.  CareCredit offers a convenient, low minimum monthly payment program for your entire family and is designed to pay for healthcare and elective treatment not covered by insurance.

With CareCredit you can pay for co-payments, deductibles, and treatment not covered by insurance; start treatment immediately and pay over time with low minimum monthly payments; and pay for other healthcare expenses for you and your family without having to reapply.

Applying for CareCredit is quick and easy. Ask any SmilesRForever team member for an application during your next visit. Alternatively, visit to complete an online CareCredit application, and receive a decision immediately; once you’ve been approved, simply contact SmilesRForever to schedule your treatment.

If you’ve postponed dental treatment, consider a new option for achieving ideal oral health. Ask us about a no interest CareCredit payment plan during your next visit. Get the treatment you need and the smile you want without the wait.


Payment for office visits and treatments can be made by cash, check, or major credit card on the day that treatment is provided. We also accept most major dental insurances. To discuss your payment or insurance options, please call us in Waterloo at (618) 939-4042. Information about dental insurance is also available on our website.