Dental clinics are always looking for ways to make services more accessible while increasing patient satisfaction. One solution gaining traction – especially in industries where costs can be a barrier – is Buy Now, Pay Later (BNPL). This flexible financing option allows patients to move forward with dental treatments without the immediate financial burden.
Beyond affordability, BNPL can be a game-changer for your practice, improving cash flow, increasing treatment acceptance, and strengthening patient trust.
What is Buy Now, Pay Later (BNPL)?
BNPL allows patients to break up the cost of dental treatment into manageable installments. Unlike traditional credit options, BNPL has a simpler approval process with a soft credit check that won’t impact their score. The application takes just 30 seconds to complete; after approval, both the patient and clinic are set to move forward.
For clinics, the process is seamless; the full payment is deposited within 1-3 business days after approval. If a patient decides not to proceed with the treatment, the financing provider works directly with you to resolve the situation.
The best part? BNPL is completely free for clinics – no setup costs, no hidden fees. Once onboarded, clinics can offer the program immediately without financial risk.

Why BNPL is Gaining Popularity in Dentistry
Many dental procedures – whether essential, cosmetic, or restorative – come with a significant price tag. Even patients with dental insurance often find their plans don’t cover the full cost of treatment, leaving them to pay out of pocket. Others may not have coverage at all.
BNPL removes the financial burden of paying everything upfront, allowing patients to prioritize their care rather than delay it. It also eliminates difficult decisions, patients no longer have to choose between procedures or postpone care for one family member to afford treatment for another.
In an industry where convenience and flexibility are highly valued, BNPL is proving to be a powerful tool for patient retention and satisfaction. Dental clinics partnered with Rescue Payments are seeing ongoing patient interest and satisfaction.
How does BNPL Benefit Patients and Clinics?
For patients, BNPL provides:
- Immediate access to care without the stress of upfront costs.
- Flexible payment terms, ranging from 6 to 72 months.
- Loan amounts between $500-$60,000, making it useful for both small and large procedures.
- A straightforward, no-impact pre-approval process that gives them confidence in their financing options.
For clinics, BNPL is an easy win:
- Higher treatment acceptance as cost concerns become less of a barrier.
- Guaranteed, upfront payments – no chasing down balances or waiting on installments.
- A competitive advantage, helping clinics attract and retain more patients.
- Cash flow security, ensuring revenue consistency while still offering affordability to patients.
How to Implement BNPL in Your Clinic
BNPL should be introduced during treatment planning for larger procedures, giving patients time to consider their options. For smaller treatments, it can be offered at checkout for those who prefer not to pay everything upfront. Ultimately, the approach depends on what works best for each clinic and its patients, ensuring their care and well-being are always prioritized. No matter the method of implementation, we’re here to support and guide every step of the way.
Since staff members are often the ones discussing financing, proper training is key. That’s why we offer full implementation support, helping clinics not only get set up but also introduce BNPL in a way that feels natural and informative for patients.
BNPL as a Growth Strategy for Dental Clinics
For clinics looking to grow and scale, cash flow is key. BNPL provides immediate liquidity – the full lump sum hits the clinic’s bank account, and that money is yours to reinvest. Whether it’s expanding services, upgrading equipment, or simply having more financial security, BNPL gives clinics the freedom to plan ahead without waiting on patient payments.
Considering the thin margins most dental practices operate on, BNPL isn’t just a nice-to-have- it’s one of the most effective ways to scale sustainably.
Your Partner in Financial Flexibility
For dental clinics looking to increase patient satisfaction, improve case acceptance, and maintain steady cash flow, BNPL is an effective solution. It provides the financial flexibility patients need while ensuring your practice gets paid on time – creating a win-win scenario.
In today’s market, accessibility and convenience matter. BNPL isn’t just a payment option; it’s a strategic move that builds trust and loyalty while strengthening your business.
Ready to offer BNPL at your dental practice? Let’s get started today!
Learn more about BNPL and how it works for your dental practice
Frequently Asked Questions (FAQ)
What is Buy Now, Pay Later (BNPL) and how does it work for dental treatments?
BNPL is a financing option that allows patients to pay for their dental treatments over time, breaking the cost into manageable payments. Patients can apply easily with a quick, soft credit check, and the clinic receives the full payment upfront.
How does BNPL benefit dental practices?
BNPL provides guaranteed upfront payments, improving cash flow and ensuring financial stability. Clinics can increase treatment acceptance rates, attract more patients, and reduce the hassle of chasing payments.
How long do BNPL payment terms last?
BNPL offers flexible payment terms ranging from 6 to 72 months, so patients can choose the option that fits their financial situation.
Is BNPL free for dental clinics?
Yes, BNPL is completely free for clinics. There are no setup fees or ongoing costs, and clinics get paid in full immediately after patient approval.
What happens if a patient decides not to proceed after being approved?
If a patient decides not to move forward with treatment, the financing provider will work directly with the clinic to resolve the situation.