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PhD Dental

Financial Info

Here at PhD Dental, our goal is to make affordable, quality dental care available to all members of our community who need it. We are pleased to accept dental insurance, Medi-Cal, and convenient financing options like CareCredit.

Please take a moment to learn more about the payment options we offer and don’t hesitate to call us if you have any questions or concerns.  

Wells Fargo Health Advantage

If you would like to have the ability to receive general or more complex dentistry work now and pay for it over time, the Wells Fargo Health Advantage credit card gives you access to all the high-quality services we provide. With approved credit, Wells Fargo offers competitive interest rates and several flexible payment options to fit your budget.

When you use the Wells Fargo Health Advantage credit card, you can expect:

  • A fast and easy application process
  • Quick credit decisions
  • Convenient monthly payments
  • A revolving line of credit you can use over and over again
  • Online account management and payment processing

If you would like to learn more about Wells Fargo Health Advantage credit card, please call our office or click on this link to apply.


If you or your child needs dental care that you didn't plan for, CareCredit is a financing option that lets you pay for treatment today and agree to pay the balance over several months. You can choose a monthly payment amount that you can manage and a period of time to pay it back (usually 6, 12, or 18 months). As long as you pay the entire balance in the agreed length of time, CareCredit won't charge you any interest.

You can apply for CareCredit at one of our locations, or you can apply online here. Approval rates are high, and you can usually get an answer in just a few minutes.

Lending Club

Our goal at PhD Dental is to make high-quality dental care affordable and accessible to everyone. One way we do this is by partnering with Lending Club Patient Solutions for flexible payment options that let you spread the cost of your treatment out over several months or even years.

With Lending Club, you have several options:

  • Long-term, fixed-rate installment loans with competitive interest rates based on amount financed and your credit history
  • Short-term, no-interest revolving lines of credit for 6, 12, 18, or 24 months 
  • A low-interest, revolving line of credit for 24, 36, 48, or 60 months

With Lending Club Patient Solutions, you get an easy online application process, flexible payment plans, and highly competitive approval rates. If you would like to learn more, please call our office or apply now by visiting this link.


At PhD Dental, we take Medi-Cal and almost all PPO insurances and will be happy to process your claim on your behalf. If you have questions about your specific insurance, please call us and a helpful member of our team will be happy to assist you.

Other Payment Options

We are pleased to accept cash and MasterCard, Visa, and Discover credit cards as forms of payment.

If you have difficulty using our website, please email us or call us at (800) 204-3130
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