CareCredit vs. Cherry: How Dental Financing Works in St. Charles

When a treatment plan is bigger than your budget for the month — implants, multiple crowns, or a full smile makeover — financing lets you start care now and pay over time. At Bliss Dental Center in St. Charles, IL, the two most popular options are CareCredit and Cherry. Here’s how they compare.

Looking for a dentist in St. Charles?

Bliss Dental Center welcomes new patients — same-day visits available.

New Patient Exam + X-rays — just $99. Honest pricing, no insurance required. We will review anything else you need together, no pressure.

Book Online Call (630) 549-7916

New self-pay patients only. Not combinable with insurance. Includes comprehensive exam and bitewing x-rays; additional imaging quoted separately.

CareCredit

CareCredit is a healthcare credit card accepted at hundreds of thousands of providers. It’s well known for promotional interest-free periods (for example, no interest if paid in full within 6, 12, or 18 months) on qualifying balances. It involves a credit check, and if you don’t pay the balance within the promo window, deferred interest can apply. Details are on our CareCredit dentist page.

Cherry

Cherry is a newer “buy now, pay later” platform built for healthcare. It offers quick approval, often with no hard credit check to see your options, and fixed monthly payment plans. Many patients like how fast and transparent the approval process is. See our Cherry financing page for specifics.

Which should you choose?

Choose CareCredit if you can pay within a promotional window and want to avoid interest entirely.
Choose Cherry if you want a fast, simple approval and predictable fixed monthly payments.
Either way, financing pairs well with larger investments like dental implants or implant-supported dentures.

If you’d rather avoid third-party financing altogether, ask about our in-house dental savings plan, which gives uninsured patients discounted rates for a flat annual fee. Our full dental financing page lays out every option.

Frequently asked questions

Does dental financing require good credit?

CareCredit involves a credit check, while Cherry lets many patients check their options without a hard inquiry. We can help you apply for both during your visit.

Can I use financing with my insurance?

Yes. Many patients use insurance to cover part of a treatment and finance the remaining balance. We’ll calculate your out-of-pocket cost first.

What if I have no insurance at all?

You still have options. Between CareCredit, Cherry, and our in-house savings plan, most patients find an affordable path. Call (630) 549-7916 to talk it through.

Bliss Dental Center · St. Charles, IL · (630) 549-7916

What our patients say

Bliss Dental

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Based on 118 reviews

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Jay Patel

23:27 21 Dec 24

Dr. Aqil and the dental assistant Rossie were fantastic! The care and the thorough education was refreshing and made me confident I made the right decision coming in for my check up. My teeth fresher, cleaner, and whiter than ever! Thank you Bliss Dental!

henyerlin millan

20:14 14 Dec 24

It's a great Dentist excellent communication between his team and patient

B O

19:18 17 Nov 24

Dr. Valika is excellent! Extremely personable and friendly, he took the time to carefully explain what he saw with my teeth and helped me gain a better understanding of my overall dental health. His cleaning was quick and painless, and I look forward to going back! Thank you ✨

Dylan Londrigan

17:03 10 Nov 24

Just moved to the area and was looking for a new dentist and Bliss Dental did not disappoint! Dr. Valika was very kind and did a great job explaining, cleaning, and taking care of my teeth. Also the technology they use here is top-end. Would recommend!

Carolyn Kelly

15:31 29 Sep 24

Dr. Valika and his team at Bliss Dental are phenomenal. I found myself with a dental emergency, and he promptly got me in to be seen. From start to finish, he made the experience pain-free and provided compassionate care. He is someone who takes pride in the exceptional treatment he provides to his patients - and that is clear by his work. Not only is he a skilled dentist, but he has a fantastic bedside manner as well. I felt like he thoroughly answered all of my questions and guided me through each treatment step. If you are looking for an amazing dentist, look no further than Bliss Dental.

Jacqueline Ruiz

17:31 31 Aug 24

I had an amazing experience at Bliss. My mom had a very difficult root canal done here and the whole process me and my mom felt very comfortable. We felt as we were in good hands. I loved how caring they were with everything and explained the whole process. We both felt as we walked out of that dental office that we were well informed on what was done and what needed to be done next. We had no questions left to ask by the time we left. I would recommend anyone who is looking to get ANY dental work to go here for anything the doctors and assistants will explain everything and will leave you happy with any results.

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