Affordable dental care, on a plan that fits your life
Don’t let cost delay the treatment you need. Signature Smiles Dental Group offers flexible 0% interest financing through CareCredit and Cherry — with instant approvals, no hidden fees, and a plan for every budget in Milpitas.
Flexible dental financing in Milpitas, CA
At Signature Smiles Dental Group, Dr. Gaganjot Khera believes cost should never be a barrier to the care you deserve. Whether you need a routine teeth cleaning, a dental crown, a full smile makeover, or Invisalign, there is a payment solution to fit your situation.
We partner with two of the nation’s leading dental financing providers — CareCredit and Cherry — and also accept FSA/HSA cards, all major credit cards, and cash. Our front-desk team will walk you through every option so you can begin treatment with full confidence in your costs.
Our promise on transparent pricing
Before any treatment begins, our team gives you a written cost estimate, explains your insurance coverage, and outlines your financing options. No surprises on your bill — ever. Questions? Contact our office and we’ll walk you through it.
CareCredit & Cherry: two great options
Two distinct dental financing platforms mean more patients qualify for the care they need. Both offer 0% interest options — they simply work best for different financial profiles.
America’s most widely accepted healthcare credit card — used at 270,000+ providers nationwide.
- 0% promotional financing for 6, 12, 18, or 24 months
- Reusable credit line for future dental & medical care
- No prepayment penalties
- Covers everything from cleanings to implants
- Apply online or in office — instant decisions
Modern healthcare financing built for accessibility — with one of the highest approval rates in the industry.
- Soft credit check only — no impact to your score
- 80%+ approval rate — fair credit (520+) accepted
- True 0% APR options available
- 60-second instant approval online
- Fixed monthly payments — 3 to 24 months
Not sure which to choose? Many patients apply for both — it’s free to check, and each provider has different approval criteria. Call us at (408) 946-0777.
Estimate your monthly payment
Pick a treatment and a term to see what a 0% plan could look like. Big number, small monthly commitment.
Estimates assume a 0% promotional plan and are for illustration only. Your actual cost depends on your treatment plan and insurance coverage. Call us for a personalized estimate.
CareCredit vs. Cherry: quick comparison
Use this table to quickly identify which dental financing option is likely the better fit for your situation.
| Feature | CareCredit® | Cherry |
|---|---|---|
| Credit check type | Hard inquiry (minor temp. impact) | Soft inquiry — no score impact |
| Minimum credit score | ~600 recommended | 520+ accepted |
| Approval rate | Good credit preferred | 80%+ approval rate |
| 0% interest option | Yes — promo 6–24 mo | Yes — true 0% APR |
| Deferred interest risk | Yes* (if not paid by promo end) | No deferred interest |
| Application time | ~5 minutes | 60 seconds |
| Payment terms | 6 – 24 months | 3 – 24 months |
| Early payoff penalty | None | None |
| Reusable credit line | Yes — future care | Per-transaction basis |
*CareCredit charges deferred interest on the original balance if not paid in full before the promotional period ends. Always confirm terms at time of application.
Which option is right for you?
Use this quick guide to find your starting point — then let our team confirm the best path for your treatment plan.
Choose CareCredit if you…Want a reusable healthcare line
- Have a credit score of 600 or higher
- Want a reusable credit line for ongoing care
- Are financing larger treatment like implants or full-mouth restoration
- Prefer a longer promotional period (up to 24 months)
- Want a card accepted at other medical providers too
Choose Cherry if you…Want the easiest approval
- Have fair credit (520–599) or a limited credit history
- Don’t want any impact on your credit score
- Want the fastest possible approval (60 seconds)
- Prefer fixed payments with no deferred-interest risk
- Have been declined by other lenders before
Combine your insurance + financing
Have dental insurance but still face out-of-pocket costs? You can stack your insurance benefits with CareCredit or Cherry to cover your co-pay or remaining balance — so even major treatment stays manageable month to month.
We are in-network with most major PPO plans — including Delta Dental, Aetna, Guardian, and Humana — and we accept many others, including MetLife and Cigna.
Use your FSA or HSA — save up to 30%
Your Flexible Spending Account (FSA) or Health Savings Account (HSA) lets you pay for most dental treatments with pre-tax dollars. We accept FSA and HSA cards for all eligible dental services — cleanings, fillings, crowns, root canals, implants, orthodontics, and emergency care.
FSA year-end deadline: use it before you lose it
Most Flexible Spending Accounts expire on December 31st. If you have unspent FSA funds, schedule your treatment now so you don’t forfeit them. Call (408) 946-0777.
All accepted payment methods
Dental financing FAQs
Yes. We offer flexible dental financing through CareCredit and Cherry, both of which provide 0% interest options. You can apply online or in our office, and our front-desk team will help you choose the best fit for your budget.
CareCredit is a healthcare credit card best for patients with scores around 600+ and offers a reusable credit line. Cherry is built for accessibility — it uses a soft credit check (no score impact), accepts scores as low as 520, and approves about 80% of applicants in 60 seconds.
Cherry uses a soft credit check only, which does not impact your credit score. It’s the most accessible option we offer and a great choice if you’d prefer to keep your score untouched while you compare plans.
Yes. Both CareCredit and Cherry offer 0% interest payment plans on approved credit. CareCredit provides promotional periods of 6 to 24 months, and Cherry offers true 0% APR plans with no deferred-interest surprises. We’ll explain the exact terms before you commit so your monthly payment is clear up front.
Yes. We accept both FSA and HSA cards for all eligible dental treatments, letting you pay with pre-tax dollars and save up to 30%. Remember that most FSA funds expire December 31st.
You can combine your insurance benefits with CareCredit or Cherry to finance any remaining co-pay or balance at 0% interest. We’re in-network with most major PPO plans — view accepted insurances.
No problem. Uninsured patients can use CareCredit, Cherry, FSA or HSA cards, or our in-house payment plans, and we always provide a written estimate before treatment. Ask about our new patient specials to get started.
Dr. Khera creates phased treatment plans that prioritize urgent care first — like active pain or decay — and spread less urgent work over time. Paired with financing, this keeps even extensive treatment affordable. Contact us to build a plan.
Start your treatment today — we’ll handle the rest
Our team will verify your insurance and walk you through financing options before treatment ever begins. Book online or call us, and ask about the plan that fits your budget.
Office hours
| Monday | 9:00 am – 6:00 pm |
| Tuesday | Closed |
| Wednesday | 9:00 am – 6:00 pm |
| Thursday | 9:00 am – 6:00 pm |
| Friday | By appointment |
| Saturday | 9:00 am – 6:00 pm |
| Sunday | Closed |
Financing disclaimer
CareCredit and Cherry financing are subject to credit approval by third-party lenders. 0% promotional APR options require full payment before the promotional period ends. Monthly payment estimates on this page are for illustrative purposes only and do not constitute an offer of credit. The $500 off Invisalign clear aligners special is subject to clinical qualification, consultation, and applicable terms — please contact our front desk for full details. Insurance benefits vary by plan; we recommend verifying your specific benefits with our team prior to your appointment.