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Stubbs Dental

Financing and Insurance: Understanding Your Options

At Stubbs Dental, we believe our patients deserve a healthy smile without the hassle associated with treatment costs. That is why our doctors accept a variety of payment options and dental financing plans, including CareCredit®, Lending Club, and partnerships with local credit unions, such as America First and Cyprus. If you or someone in your family is considering dental treatment, our team can help you navigate questions regarding financing and insurance so you can make a choice that fits your needs and budget. 


Out-of-pocket costs for dental care can add up. CareCredit helps patients pay these fees without breaking the bank. With zero-interest plans available, patients can make small monthly payments until their treatment is paid in full. Best of all, CareCredit can be used for multiple needs, including health, wellness, beauty, and even veterinary visits. Simply apply online before your visit to find out if you are approved.

Lending Club

The Lending Club is a peer-to-peer service that operates on the principles of borrowing and lending. A borrower applies for a loan initially. If they are approved, their loan is added to the organization’s online platform. Once this is complete, investors are able to browse loans. If they decide to invest, they are required to pay a minimum of 25 dollars per loan. Each loan portion is referred to as a note. Most investors will build their portfolio with notes so that the risk is spread evenly over several borrowers. 

We believe that every individual should have access to high-quality dental care, regardless of their financial situation.

If you are a borrower and you are approved for a loan, the money will be released to you within two business days. Next, payments will begin within the first 30 days, and will be for principal plus interest.

Credit Unions

Stubbs Dental is proud to offer flexible financing through credit unions such as America First, Cyprus, and Mountain America. Although patients will need to apply for membership, these unions provide loans with the lowest amount of interest. To apply for a loan at any of these trusted credit unions, follow the respective links:

Easy Pay

This financing option may be right for individuals with good credit, poor credit, or no credit with no down payment required. Typically, this service offers financing up to $2,000, three months interest-free. In addition to dental and healthcare needs, Easy Pay also helps customers pay for other services as well, such as collision repairs, home appliances, and pet retailers.

iCare Financial

If you are worried you won't be able to receive financing due to your credit history iCare is here for you. iCare offers dental financing with monthly payment plans and no credit check required. You are instantly approved and can get the treatment you need at the time of your visit. 

We are Here to Help 

At Stubbs Dental, we understand what a significant decision it is to spend money on your oral health. We believe that every individual should have access to high-quality dental care, regardless of their financial situation. Therefore, we strive to meet the needs of every patient who walks through our door. Our knowledgeable financial team is available to answer any questions you may have and determine a payment plan that will effectively meet your needs and budget.

Learn More about Our Flexible Financing Options

To learn more about financing and insurance options at Stubbs Dental, reach out to a team member. You can call us at (801) 685-1163 in Bountiful or (801) 335-4223 in Layton. You can also contact us online anytime.

Apply For Financing

To ensure that necessary dental care is accessible to our patients, we accept financing through several entities. Patients can apply to multiple financing banks through one convenient application.

Use provider ID 450932 to apply.

Apply Now

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Bountiful Office

3383 Orchard Dr
Bountiful, UT 84010

Closed Today

Operator available 24/7

More Info Directions (801) 685-1163

Layton Office

1916 N. 700 W
Ste 100
Layton, UT 84041

Closed Today

More Info Directions (801) 335-4223