Dental Financing in Florida

Dental health is a part of your general well-being. And when you can’t afford dental care that you may need or want, it can be frustrating. But through American First Finance, payment solutions may help put dental care within reach.
 
Dental financing in Florida can help you pay for the care you need over time, with all credit welcome, approval amounts from $300–$5,000 and a quick response you can get right from your dentist’s office.1 When the cost of dental care feels out of reach, American First Finance makes it more manageable.
 
Founded in 2013, American First Finance has approved more than 5 million customers across the country.

Dental Care That Can Be Financed Through American First Finance

There are several types of dental care that American First Finance may be able to help finance. These include:

 

  • Implants: a single implant typically runs about $3,100–$5,800, and full-mouth restorations commonly run $24,000–$50,000 and can go higher*
  • Dentures: full sets often range from about $1,000–$3,000*
  • Veneers: usually priced per tooth, and often not covered by insurance as a cosmetic treatment
  • Crowns and bridges: costs vary with materials and the number of teeth involved
  • Emergency root canals: often urgent and difficult to budget for in advance

 
Costs vary by provider and case; the ranges above are typical estimates, not quotes.
 
Financing options benefit patients without dental insurance—or those whose dental insurance may not cover certain treatments. Many cosmetic treatments are generally not covered by insurance. But with our All Credit Welcome approach, more people may be able to move forward with the care they need.
 

Learn more about dental financing through American First Finance, see how it works, or find a participating provider near you.

When you’re in your Florida dental provider’s office, you can apply right away from your phone. You’ll receive a quick response on your application. It’s that simple.

How Dental Financing Works in Florida – Get a Quick Response from American First Finance

One of the major reasons why people choose payment solutions through American First Finance is the quick response process. In many cases, people need dental procedures right away. And we understand that.
 
Approval amounts can range from $300–$5,000.
 

1. Apply from Your Phone

Start your application online or right from the dental office. You’ll need a photo ID, an SSN or ITIN, and an active bank account and debit card.
 

2. Get a Quick Response

Once you apply, you’ll receive a quick response on your application.
 

3. Use Your Approval

If approved for $300–$5,000, you can put your approval to work toward the care you need.
 

4. Pay on a Schedule That Fits

Payments are set up to work with your pay schedule, so the cost of treatment is spread over time.

Financing Solutions That Work

Simply put, American First Finance provides payment solutions designed to help Florida residents move forward with the dental care they need.
 
With American First Finance, you can expect:
 

  • Low, easy payments
  • Payments that fit your pay schedule
  • Early payment savings options

Frequently Asked Questions

Here are some of the more common questions related to dental financing.

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How much dental financing can I apply for in Florida?
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Can I get dental financing with imperfect credit?
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What if I don’t have dental insurance?
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How fast will I hear back after applying?
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What dental procedures may qualify?
© 2026 American First Finance. All Rights Reserved.

1 Application Terms: Your application, including the amount, cost, and approval, is subject to review and is not guaranteed. Applications are reviewed based on data you provide and one or more of the following: identity verification, bank verification, information from a third-party, a credit reporting agency, and/or prior experience through American First Finance (AFF).

Bank Loan: A consumer installment loan is originated by FinWise Bank, a Utah-chartered bank, Member FDIC and sub-serviced by AFF. The loan may be funded by the bank to the merchant for you to purchase item(s) and/or service(s). In some cases, the loan for returning customers is funded directly to your checking account for personal, family or household use.

Retail Installment Sale Agreement: A retail installment agreement is not a loan. You may enter into a Retail Installment Sale Agreement with the merchant to purchase item(s) and/or service(s). AFF may purchase the Agreement from the Merchant. An example of a retail installment transaction based on a 12-month term with 26 biweekly payments: if you make a purchase of $1,000 and make a $50 down payment with an Annual Percentage Rate (APR) of 169.53%, you will have 25 bi-weekly payments of $74.79 and 1 bi-weekly payment of $75.06. The total amount repayable will be $1,944.81 with full, timely payments over 12 months.

Lease: A lease is not a loan or credit transaction. It has several names: lease, lease-to-own, rent-to-own, or rental-purchase. With a lease, you select the item(s) and AFF purchases the item(s) from the Merchant. You take the item(s) home. AFF retains ownership until you pay for the item(s) plus rental fees. Other fees may be included, such as late fees, non-sufficient funds, delivery, and optional Liability Damage Waiver fees. As a result, the total amount you pay for leasing an item may be more than double the retail cost. You can cancel your lease at any time without penalty by contacting AFF. An example of a 12-month lease with weekly payments: if you lease a $1,000 item and pay a $50 (plus tax) processing fee, you will have 52 additional weekly rental payments of $46.11 to complete your lease. Your total lease payments will be $2,452.21 with full, timely payments over 12 months.

2 You will save money on interest, finance charges, or leasing fees when you pay the discounted amount during the Early Payoff Discount (EPD) period or by exercising the Early Buyout Option (EBO). You must make payments larger than your regularly scheduled payments by the EPD/EBO expiration date. You will make additional payments through the customer portal or by contacting the customer service team.

3 Decisioning may take additional time and not be same day. Additional information may be required.

4 Approval is possible without a credit score, but credit may be checked.

5 Testimonials reflect the real-life experiences of customers who used our products and/or services. Individual results may vary.

To report a problem or complaint with this lender, you may write info@americanfirstfinance.com or call customer service at (855) 721-1188.

American First Finance, LLC – NMLS ID 1757007

© 2026 American First Finance. All Rights Reserved.