Flexible Payment
Financing Options
Get the care you need today and pay over time. Smile Nuvo partners with three trusted patient financing providers so you can find a plan that fits.
Financing with Cherry
Treat now, pay later — no hard credit checks, true 0% APR options available, approvals up to $35,000.
Interest-bearing plans with APRs as low as 5.99%. Subject to eligibility — see Cherry for details.
See if you qualify60-second application. No impact to your credit.
Compare Our Financing Partners
Three trusted providers. Each runs a soft credit check, so applying does not affect your credit score.
Cherry
Most popular for routine care
Treat now, pay later with 0% APR options available. Approvals up to $35,000 with no hard credit check — a 60-second application.
See if you qualifySunbit
Quick decisions at the front desk
Sunbit approves 9 in 10 applicants and splits your bill into monthly payments with low or 0% APR options. No impact on your credit.
Apply with SunbitLendingClub
Extended-term financing
For larger treatment plans — check your rate in minutes with no impact to your credit score. Long-term plans with flexible monthly payments.
Check your rate0% APR and other promotional rates are subject to eligibility. Exact terms and APR depend on credit score and other factors. Smile Nuvo is not a lender and does not extend credit.
What Our Customers Say
Real experiences from patients who used Cherry to finance their care.
“I was worried the application would take long, I would have paid on my credit card – but it only took a few minutes and I'm so happy I can split my payments up now!”
— Bryana
“Cherry was really easy to use and super fast. I can't wait to go back and try different services now that I can split my payments!”
— Alex
“I used this on Monday and it was great. Low down payment and low monthly. You all should try it.”
— Marie
“Cherry was great, one of the better lending companies I've ever used. Making payments was a lot easier and I appreciate that Cherry was willing to work with me.”
— Gabriel
“Cherry is amazing!!! Now we can get everything done!!”
— Alyssa
“I've been putting off these treatments for a long time. I scheduled them all today using Cherry!”
— Cassie
These are examples only. 0% APR and other promotional rates subject to eligibility. Exact terms and APR depend on credit score and other factors.
Common Questions
Will applying hurt my credit?
No. All three providers use soft credit checks that don't impact your credit score.
How much can I finance?
Approvals vary by provider and your credit profile. Cherry approves up to $35,000; LendingClub and Sunbit offer similar ranges for qualified applicants.
Can I combine financing with insurance?
Yes. We'll bill your insurance first and you can finance the remaining balance.
What about the NUVO Membership Plan?
Not insurance, but a great alternative — see our in-house membership plans for predictable annual pricing and 20% off extra treatment.