made painless

You only have one smile.
We gladly offer multiple ways to make caring for it more affordable.

Smile Generation Financing

You only have one smile. So we gladly offer multiple ways to make caring for it more affordable.

Smile with confidence thanks to our flexible payment options.
Affordable dental financing for your smile makeover.
• Recommendations based on your preferences, treatment needs and credit profile.
• All available dental financing options shown with a soft credit check – no impact to your credit score.
• Finance up to $25,000, up to 60 months and 0% interest with low interest plans available on approved credit.

How Smile Generation Financing Works

Get Treatment Plan

Get a treatment plan from your Smile Generation-trusted office.

Enter Your Information

Use our in-office portal to enter your information.

Review Financing Options

Review your options from a variety of lending partners.

Get Your Dental Care

Get the dental care you need from a dentist you can trust.

Smile Generation Dental Plan

No dental insurance? No problem. Smile Generation Dental Plan can help you get savings of up to 50% on the treatment you need.

No more hiding your smile - our financing plan makes it possible.
Financial options for a beautiful, healthy smile.
• $0 dental exams and X-rays
• Save 20% - 50% on most dental procedures
• Dental discount plan - so there are no deductibles, copays or annual maximums
• Same-day discounts on dentistry—no waiting periods

How Smile Generation Dental Plan Works

Choose A Plan

We offer plans based on the number of participants. The more people you have, the better the pricing.

Get Treatment

You can use the Smile Generation Dental Plan at any of our office locations for any of our services.

More Benefits

In addition to general dentistry, we offer seven additional benefits for specialty care and screenings.

Real-Time Visibility

Powered by Wellfit®, you get real-time visibility to your treatment savings on your phone.


  • What does Smile Generation Financing do and how does it differ from the Smile Generation Financial Credit Card?

Smile Generation Financing teams up with trusted partners to offer a variety of payment options. When you visit a Smile Generation-trusted office, our team will help you find a payment option that best fits your needs. The Smile Generation Financial Credit Card is one of our trusted financing partners for all Smile Generation offices.

  • How quickly can I get approved through Smile Generation Financing?

The application process is quick, and can be done at any Smile Generation trusted office. All available payment options will be presented instantly upon prequalification approval.

  • How does a Smile Generation Dental Plan work and how does it compare to dental insurance?

Smile Generation Dental Plan offers significant discounts on dentistry. Since it is not insurance, there are no deductible or annual maximums. Dental plan members pay an annual fee up front rather than monthly premiums like traditional dental insurance. There are also no waiting periods with dental plans so you can get the treatment you need immediately.

  • Can I use Smile Generation Dental Plan with my dental insurance?

Yes. One of the most extraordinary things about the Smile Generation Dental Plan and private dental insurance is that it does not have to be an either/or proposition. Instead, they can work together to reduce your overall cost of dental treatment. Smile Generation Dental Plan supplements private dental insurance. Some people use the dental plan to reduce out-of-pocket costs if they need treatment while waiting for their coverage to begin. Others use it to discount cosmetic treatments, which are not covered by most dental insurance.  Some members get the most out of their dental insurance benefits by applying the discounted dental plan fee against the annual maximum amount. 

  • How do I know if my dentist is in coverage network?

There are a couple of ways. First, call any Smile Generation-trusted office and ask. Most major insurances are accepted. You can also contact your insurance to see if your dentist is within network.


Smile generation financing: the affordable way to perfect teeth.
Finance your smile generation treatment and enjoy the benefits of a radiant smile.
No more hiding your smile - our financing plan makes it possible.
Affordable dental financing for your smile makeover.

Find a Smile Generation-Trusted Office Near Me

Smile Generation Dental Plan is NOT insurance.

You will have 30 days from receipt of the Membership Agreement to cancel your enrollment and receive a full refund of your enrollment fees. If your membership is renewed after it expires a $15 administration fee may apply and will not be refunded if you cancel your enrollment.

Wellfit Plans, LLC is a discount plan organization that offers the Smile Generation Dental Plan. Smile Generation Dental Plan members have access to contracted providers who provide certain dental services to members at discounted rates (“Network Providers”). Discounted rates may vary depending on which contracted provider and which service you receive. Members are obligated to pay for all health care services but will receive the stated discount from those health care providers that have a current provider agreement with the discount plan organization. Smile Generation Dental Plan does not pay Network Providers any dental care fees. In order to obtain the discounted fees, your Network Provider may require you to pay for the dental services at the time you receive them. Wellfit Plans, LLC is located at PO Box 140309, Irving, TX 75014 and their phone number is (833) 333-7437. Find contracted providers at

THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. This plan does not meet the minimum creditable coverage requirements under M.G.L. c.111M and 956 CMR 5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. The range of discounts will vary depending on the type of provider and service. The plan does not pay providers directly. Plan members must pay for all services but will receive a discount from participating providers. The list of participating providers is at for dental providers. A written list of participating providers is available upon request. You may cancel within the first 30 days after effective date or receipt of membership materials (whichever is later) and receive a full refund, less a nominal processing fee (nominal fee for MD residents is $5, AR residents will be refunded processing fee). Discount Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.

This plan is not available in Vermont or Washington.