The In-House Financing Platform For Dental Practices

You Spent 8 Years Becoming
A Doctor. Stop Paying Like A Middleman.

CareCredit charges you up to 14.9% of every treatment you finance — then keeps all the interest too. DDSLENDERS lets your practice keep every dollar. Zero merchant fees. Zero interest to patients. Live in 10 minutes.

Start Free — No Credit Card Required Calculate My Savings
$33,600
Avg. Annual Savings
<10 min
Setup Time
0%
Interest To Patients
$0
Merchant Fees
What They're Not Telling You

CareCredit Is a Silent Tax On Your Practice

Every patient you finance through a third party costs you more than you think. Here's exactly how much.

14.9%
Merchant Fee — Taken Upfront
CareCredit charges practices up to 14.9% of the treatment amount before a single payment is collected. On a $6,000 implant case, that's up to $895 gone immediately — before you see the patient a second time.
Source: BuildMyBod.com · CareCredit published rate
$0
Interest Income You Keep
All interest charged to your patients goes directly to CareCredit — not you. A mid-size practice financing $50,000/month at 9.9% APR is surrendering over $49,000 in annual interest income to a corporation that has nothing to do with your clinical work.
Calculated at 9.9% APR, 18-month term, $50K/mo volume
45%
Of Patients Decline Treatment Over Cost
The ADA reports cost is the #1 reason patients say no to recommended treatment. Yet practices using rigid third-party financing see lower case acceptance because patients distrust unfamiliar brand names in the checkout flow. Your brand earns acceptance. CareCredit's doesn't.
Source: ADA · Case Acceptance Rate Research 2024
Live Proof

Drag The Sliders.
Watch Your Money Come Back.

These numbers are calculated in real time based on your practice. No estimates. Exact figures.

Monthly Financed Volume $50,000
Avg. Loan Per Patient $2,500
Your Capital Rate 9.9%
Loan Term 18 mo
Quick Presets
Annual Savings vs. CareCredit
$114,312
That's $9,526/month back in your pocket. 5-year total: $571,560
94%
Cost Reduction
Annual Cost To Your Practice
DDSLENDERS
$7,788/yr
CareCredit
$122,100/yr
Cherry
$116,100/yr
Metric DDSLENDERS CareCredit Cherry
Merchant / Platform Fees $7,788 flat $33,000 $27,000
Interest You Keep $89,100 kept $0 — none $0 — none
Cost Per Patient $32 $509 $484
License Required None N/A N/A
Simple Process

Live In 4 Steps. Under 10 Minutes.

No underwriting delays. No merchant approval wait. No paperwork. You start financing patients today.

01
Set Up Your Practice
Enter your practice info and connect your bank account via secure ACH verification.
3 minutes
02
Build Your Price Plan
The Price Builder auto-calculates your interest buyup, generates compliant 0% disclosures instantly.
2 minutes
03
Patient Gets A Text Link
Patient applies on their phone, links their bank, e-signs the disclosure. Done in 5 minutes from their seat.
5 minutes
04
Money Goes Straight To You
Automated ACH collections, SMS reminders, failed payment retries — all handled. Deposits hit your bank directly.
Automatic
Head-To-Head

Why Practices Are Switching

A direct comparison against every major financing option in the market.

FeatureDDSLENDERSCareCreditCherrySunbit
Merchant Fee$0 NoneUp to 14.9%1.9–13.9%2.4%+
Interest Income Goes ToYour PracticeCareCreditCherrySunbit
Patient Relationship Owned ByYouCareCreditCherrySunbit
White-Label / Your Brand Fully branded Their brand Partial Partial
0% to Patients (Legal) Price BuilderPromo onlyPromo onlyPromo only
License RequiredNone (0% plan)N/AN/AN/A
ACH SettlementSame-day option2 business days2–3 days2–3 days
HIPAA BAA Available Enterprise onlyLimitedLimited
Monthly Flat Cost$199–$899/mo% of every deal% of every deal% of every deal
Full Platform

Everything You Need.
Nothing Extra To Pay For.

Price Builder — Unique To DDSLENDERS
Calculate interest-inclusive pricing to present 0% financing to patients while fully recovering your cost of capital. Auto-generates TILA-compliant two-price disclosures. No other platform does this.
Only Here
Instant Credit Decisions
AI-powered underwriting gives patients approval in seconds. Customizable risk tiers let you control who qualifies — without a third party making that call for you.
Automated Collections
Scheduled ACH debits, SMS payment reminders via Telnyx, smart retry logic, and graduated escalation — all automatic. Your front desk stops chasing payments.
Real-Time Dashboard
Portfolio health, collection rates, approval metrics, and revenue — live. Know exactly where every patient account stands before your morning huddle.
Fully White-Labeled
Patients see your practice name and logo throughout. Not DDSLENDERS. Your brand builds trust. Your brand earns repeat visits. Included free on every plan.
Free on All Plans
Patient Self-Service Portal
Patients manage payments, view history, download documents, and update payment methods — entirely on their own. No phone calls to your front desk.
From The Field

Practices Are Keeping Their Money.

★★★★★
We were paying CareCredit over $4,200/month in merchant fees. That money now stays in our practice. The Price Builder alone is worth the subscription — my patients love seeing “0% interest” in our brand's name, not CareCredit's.
DR
Dr. Rachel M., DDS
General Dentistry · Phoenix, AZ
Saves $51,000/year vs. CareCredit
★★★★★
Setup was literally 8 minutes. The patient portal outperforms any financing app I've seen. Patients accept faster because it looks like our practice, not a strange third-party site they've never heard of.
JL
Dr. James L., DMD
Orthodontics · Miami, FL
Saves $38,400/year vs. Cherry
★★★★★
Running 4 locations, I had zero visibility into collection issues across practices. DDSLENDERS's consolidated dashboard shows me every account in real time. I caught a delinquency pattern before it became a write-off.
SK
Dr. Sara K., DDS, FAGD
DSO Owner · 4 Locations · Dallas, TX
Saves $142,000/year across locations
Transparent Pricing

Flat Rate. No Merchant Fees. Ever.

Compare this to what CareCredit charges per transaction.

Starter
$199
per month · up to $30K financed/mo
Unlimited patients
Price Builder tool
Automated ACH collections
SMS payment reminders
Patient self-service portal
1 location
Get Started Free
Growth
$399
per month · up to $150K financed/mo
Everything in Starter
AI credit decisioning
EMR integrations (Dentrix, etc.)
Advanced analytics & reports
Collection escalation workflows
Up to 3 locations
Start Free Trial
Enterprise
$899
per month · unlimited volume
Everything in Growth
Unlimited locations / DSO
Custom risk models
Dedicated account manager
API access + custom integrations
SLA + priority support
Contact Sales
A practice financing $50,000/month pays CareCredit $33,000/year in merchant fees. DDSLENDERS Growth costs $4,788/year. That's a $28,212 difference — before the interest income you now keep.

Your Practice Earns It.
You Should Keep It.

Join practices that stopped paying merchant fees and started building real financial independence.

Start Free Trial — No Credit Card Calculate My Savings
14-day free trial
No setup fees
Cancel anytime
HIPAA compliant
Live in <10 minutes
HIPAA Compliant
TILA / Reg Z Ready
FCRA Compliant
SOC 2 In Progress
256-bit Encryption
BAAs With All Vendors
99.9% Uptime SLA
© 2026 DDSLENDERS · Savings estimates based on published merchant fee rates. CareCredit fee range: 1.9–14.9%.