Dental Financing
Dental financing in San Jose, CA makes it easier to afford the care you need, helping you achieve a healthy, confident smile without financial stress.
Dental Financing in San Jose, CA
Cost should never be the reason someone puts off necessary dental care. Yet for many patients, the price of treatment, especially for larger procedures, creates hesitation that turns into delay, and delay has a way of turning manageable problems into far more involved ones. Having a clear path to affordability changes that equation.
At Aqua Dentistry, located in the Midtown area of San Jose just north of Willow Glen, we believe every patient deserves access to high-quality care without financial stress standing in the way. As part of our financial information offerings, we have built a range of payment options designed to meet patients where they are, whether they are using insurance, financing a larger treatment, or looking for a straightforward way to budget their care over time.
Flexible Financing Options Available
The right financing option depends on the treatment you need and what works best for your budget. We offer two third-party patient financing programs, each with distinct features, so you can choose the one that fits your situation.
Here is a look at what we offer:
- CareCredit: a dedicated healthcare credit card accepted at thousands of providers nationwide, with promotional financing options available for qualified applicants
- Cherry: a flexible payment plan option featuring 0% financing for up to 24 months for qualified patients, making it a strong fit for higher-cost treatments like Invisalign or implants
- Cash, check, and credit cards: accepted for all services, with no added complexity for patients who prefer to pay at the time of treatment
Both CareCredit and Cherry allow patients to apply quickly, often at the time of their visit. Our front desk team can walk you through both programs and help you determine which one aligns better with your treatment plan.
Meet Our Doctors:
Dr. Jessica Mehta
Dr. Jessica Mehta brings her unique blend of expertise and passion to our team. A graduate of the University of Southern California and the University of Washington’s General Practice Residency, she is dedicated to educating …
Dr. Aishwarya S. Kumar
Dr. Aishwarya Kumar is the heart and soul behind our newly merged practice. With over eight years of experience treating patients across Silicon Valley, from Gilroy to San Jose, Dr. Kumar has built a reputation …
Why Financing Makes a Real Difference
Getting the Care You Need Without Delay
Financing transforms how patients approach their treatment decisions, particularly for procedures that carry a higher investment. Consider dental implants, which represent the gold standard in tooth replacement but require a meaningful upfront commitment. With monthly payment options through Cherry or CareCredit, the total cost becomes a manageable series of smaller payments rather than a barrier to moving forward. The same applies to Invisalign clear aligners, where 0% financing over 24 months can bring the monthly cost down to a figure that fits comfortably within a household budget.
The Real Cost of Waiting
Postponing dental treatment rarely saves money. A small cavity that goes unaddressed becomes a larger restoration. A failing tooth that could have been saved with a crown may eventually require an extraction and implant. According to the American Dental Association, adults with private dental insurance are significantly more likely to receive preventive care than those without, underscoring how access to financial support drives timely treatment decisions. Financing removes the friction that causes patients to delay, and at Aqua Dentistry, that is exactly what we want for every patient who walks through our doors.
Using Insurance Alongside Financing
Many patients use financing in combination with their dental insurance, which can be a highly effective strategy for managing larger treatment costs. Insurance often covers a portion of restorative and major procedures, and financing allows patients to spread the remaining balance over time rather than paying it all at once. Our team reviews your insurance benefits before your appointment so you arrive with a clear picture of what your plan will cover and what your estimated patient portion will be.
For patients without insurance, our in-house Aqua Dentistry Membership Plan through Clerri provides a practical alternative. Members receive two professional cleanings, two exams, routine x-rays, fluoride treatments, and one emergency exam per year, with no deductibles, no waiting periods, and no annual maximums. Members also receive a 20% discount on all additional procedures completed at the practice, which can be used alongside Cherry or CareCredit to further reduce out-of-pocket costs.
Schedule Your Visit at Aqua Dentistry
At Aqua Dentistry, our commitment to our patients goes beyond clinical care. Dr. Aishwarya Kumar and our family-oriented team take the time to understand your goals, explain your options, and make sure you feel confident and comfortable with your financial plan before any treatment begins. We serve patients throughout San Jose, Sunnyvale, Santa Clara, and Los Gatos, and our new patient forms are available online so your first visit starts smoothly.
If you are ready to move forward with treatment or simply want to learn more about your payment options, we are here to help. Contact us today to schedule an appointment and take the first step toward the care you deserve.
"I would absolutely recommend Dr. Kumar to anyone!!"
I have been coming to Dr. Kumar for almost 2 years now and I am so thankful to have found her and the staff at Aqua Dentistry. She is so incredibly kind and personable, always taking time to sit down and talk with you through all your options so you can make the best informed decisions. I never feel pressured or confused about the care I’m receiving, which is something I have had issues with at past offices. I would absolutely recommend Dr. Kumar to anyone!!
-Jessica