Unlike many banks and other financial institutions, interest rates are fixed and as low as 5.99 percent.

Your loan terms are custom tailored to your credit history, ensuring that you get the lowest possible rates.

Interest rates have reached historic lows over the past few years. Many financial experts believe that rates can only go up. Fixed rates mean predictable monthly payments that won’t rise unexpectedly due to interest rate fluctuations.

Your interest rate is determined by the length of the term and your credit information.

There are personal loans available from most banks and credit unions. However, Springstone’s rates are generally much lower and with more flexible terms.

Credit card interest rates are often variable. They are also generally higher, meaning that you will likely pay more in interest. With a payment plan from Springstone, you keep your credit card purchasing power available for other purchases and you get the security of a fixed rate with a fixed payment.

You can get an estimate of your monthly payments by using the on-line rate calculator

There is no down payment. You simply make your monthly payments.

You can use Springstone to finance your or your child’s treatment at virtually any accredited practitioner’s practice. If you have questions about your doctor’s eligibility, call 800-630-1663.

You can finance any qualified dental/vision expenses that range from $2,000 to $40,000.

You may borrow for full or partial procedure costs that range from $2,000 to $40,000. Contact a Springstone consultant for details.

You can finance more than one procedure at a time, combining them so you have one convenient monthly payment.

There are a variety of plans available for families with challenging credit histories. Credit guidelines are designed to approve as many applications as possible. Call a friendly Springstone consultant to discuss your unique situation.

There are no application or origination fees.

Apply when you have decided to move forward with your procedure.

Credit decisions are typically made instantly. For the rare exceptions where a little more time is needed, applicants receive a decision within hours or the next business day.

Absolutely not. There is no obligation associated with filling out an application. Once approved, you decide whether Springstone is right for you.

Any adult having an elective procedure may apply. Parents or guardians of patients under the age of 18 are also eligible to apply.

It’s due approximately 45 days from receiving your signed loan agreement.

You can pay by check or opt for convenient automatic deductions from your checking or savings account. You will receive a coupon book outlining your payment schedule.

The payment goes directly to your doctor’s office.

Absolutely. You have maximum flexibility, because there are no prepayment penalties and you’ll save on interest charges.

Call 800-630-1663 and a customer service representative can answer all your questions.

Most customers prefer the speed and convenience of applying online 24/7. Most applicants get a decision within seconds.

You can also apply by calling 800-630-1663 from 8:00 am to 8:00 pm Eastern time. And you can apply on-line anytime!