FMS Dental & Orthodontics
Dental Financing Options in Houston, TX
Needing dental treatment is stressful enough without wondering how to fit it into your month. Spreading treatment out over time can put the care you need within reach sooner.
FMS Dental & Orthodontics offers financing and payment options so you can move forward with the treatment our dentists recommend. Whether you are planning cosmetic dentistry or a larger restorative plan, our Houston team can walk you through your options and help you pick one that fits your situation.
Payment Options at Our Practice
We never want finances to get in the way of good oral health, so we keep several paths open. Here is what you can choose from when you visit us.
- CareCredit: A health, wellness, and beauty credit card that lets you pay for treatment in monthly payments, with special financing options subject to credit approval.
- Sunbit: A patient financing option that lets you pay for treatment over time instead of all at once, subject to approval.
- In-house payment options: Flexible arrangements offered directly through our office, so call us for details.
- Cash and credit cards: We accept cash and all major credit cards.
Not every option suits every patient, and approval for third-party financing depends on the lender. Our team can help you compare these choices before you commit to one.
How CareCredit Works
CareCredit is a credit card made for health and wellness needs, and you can use it again and again for dental care. It is also accepted at other healthcare providers, including optometrists, veterinarians, and hearing care providers, so it can cover other healthcare needs too.
Applying is free, and you receive a decision right away. If you are approved, you can schedule your treatment even before your card arrives. Special financing offers are subject to credit approval and minimum monthly payments are required, so review the terms on CareCredit’s site or ask our team for help.
How Sunbit Financing Works
Sunbit works with dental practices to let patients spread the cost of treatment over time. Our office can answer your questions about how it fits with your treatment plan and walk you through the next steps.
Approval and terms depend on the lender, so confirm the details with our office or with Sunbit before you finalize a plan. If you are unsure which option fits best, we are happy to sit down with you and talk it through.
Why Financing Helps You Keep Up With Care
Regular dental visits matter, and many adults already make them. According to the Centers for Disease Control and Prevention, 66.7% of U.S. adults had a dental exam or cleaning in the past year, based on the 2025 National Health Interview Survey.
Staying on schedule with exams and cleanings gives our dentists a chance to spot problems early, when treatment may be simpler. Flexible payment options can make it easier to start treatment when you need it instead of putting it off, whether that means a first visit for general dentistry or a longer plan for dental implants.
Staging Treatment Over Time
Some treatment plans do not have to happen all at once. We are happy to plan your care in stages so each step fits more comfortably into your schedule and your finances.
Talk with our dentists about which parts of your plan to start with and which can wait. We aim to give you honest advice and help you build a plan around your smile, using safe digital X-rays and state-of-the-art technology to guide our recommendations.
Questions to Bring to Your Visit
Coming in with a few questions helps us tailor your options. You might ask which payment arrangement fits your treatment plan, how monthly payments are set up, or what happens if you want to start with one part of your plan and add the rest later.
There are no wrong questions. Our team answers them every day, and we would rather you feel comfortable with your choice than rush into one. Bring any paperwork you have from a lender or insurance company so we can look at it together.
Why Houston Patients Choose Our Team
Our dentists offer general, cosmetic, and restorative care, along with dental implants, at one practice, so you can often keep your dental care in one place. We build personalized treatment plans, and we want every patient to feel comfortable and content in our chairs.
If you also have dental benefits, we can review them alongside your payment options, and you can see which plans we work with on our insurance plans accepted page. Combining insurance with a payment option is a common way to spread out what remains after coverage.
Talk With FMS Dental & Orthodontics About Financing
Our team brings solid training to every visit. Dr. Mehraz Uddin holds a Fellowship with the Academy of General Dentistry, a distinction only 6% of dentists in the US and Canada hold, along with a Fellowship with the International Congress of Oral Implantologists. Dr. Dalia Aldin, a Houston native, earned her Doctor of Dental Surgery degree from UT Health San Antonio and graduated with honors.
If financing has kept you from scheduling the care you need, a short conversation with our team may help. We can talk through your options and help you choose a plan that works for you, so contact our office today to get started.