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Stubbs Dental

Financing and Insurance: Understanding Your Options

A patient paying for his dental care with a credit card.

At Stubbs Dental in Bountiful, UT, we believe our patients deserve a healthy smile without the worry and stress sometimes associated with treatment costs. That is why our doctors accept a variety of payment options and dental financing plans, including CareCredit®, LendingClub, and partnerships with local credit unions, such as America FirstCyprus, and Mountain America. If you or someone in your family is considering dental treatment, our team can help you navigate the various financing and insurance options so you can make a choice that fits your needs and budget. 

Proceed Finance

Proceed Finance wants patients to have access to the healthcare that they deserve. Proceed offers low interest rates and repayment terms as long as 96 months. Their company model is simple-fully funded, fast delivery, and easy to understand terms with the lowest rates for patients. A


Out-of-pocket costs for dental care can add up. CareCredit® provides health and dental care financing that can help patients pay for dental treatments and procedures. With zero-interest plans available, patients can make small monthly payments until their treatment is paid in full. Patients can apply online before their office visit to find out if they are approved.


LendingClub is a peer-to-peer service that operates on the principles of borrowing and lending. With this service, a borrower first applies for the loan. If they are approved, their loan is added to the organization’s online platform. Once this is complete, investors are able to browse loans. Most investors will build their portfolio, so that the risk is spread evenly over several borrowers. If you are a borrower and are approved for a loan, the money will be released to you within two business days. Payments will begin within the first 30 days, and will include the 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 credit unions can provide low-interest loans. To apply for a loan at any of these credit unions, patients can click on the respective links:

Wells Fargo Health Advantage

The Wells Fargo Health Advantage credit card gives you another option to finance your dental treatment. This unique credit card gives you a choice in how you pay for your procedure. The card provides a revolving line of credit to use at participating dental, vision and audiology offices. The application process is simple and can be completed online or in a Wells Fargo office. Patients often have same-day access to their line of credit if approved. 

Learn More about Our Financing Options 

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.

At Stubbs Dental, we believe our patients deserve a healthy smile without the worry and stress sometimes associated with treatment costs.

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. To learn more about CareCredit, LendingClub, Easy Pay, Wells Fargo Health Advantage, or credit union financing, reach out to our team today. Patients can call (801) 685-1163 or contact us online.

Apply for Financing Today

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

No Insurance? No Problem!

Stubbs Dental Membership Benefit Program

The Stubbs Dental Membership Benefit Program is designed to provide affordability and greater access to quality dental care. With your member benefits program there are:

  • No yearly maximums
  • No deductibles
  • No claim forms
  • No pre-authorization requirements
  • No pre-existing condition limitations 
  • Immediate eligibility (no waiting periods)
  • Free consultations

With plans for individuals, dual (parent/child or husband/wife), and families from 3-6 members we have plans to fit your needs. Sign up for auto-renewal and you receive and extra 5% off your next year's premium! 

Call us today to learn about plan coverage, pricing, and to sign up today!

Sign Up

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Bountiful Office

3383 Orchard Dr
Bountiful, UT 84010

Open Today 9:00am - 5:00pm

Operator available 24/7

More Info Directions (801) 685-1163

Layton Office

1916 N. 700 W
Ste 100
Layton, UT 84041

Open Today 9:00am - 5:00pm

More Info Directions (801) 335-4223