Financial Policies

Our goal is to provide the optimal dental experience for all our patients.

Please help us with the following:
  • Payment is required at the time of service. We accept cash, check, and the following credit/debit cards: Visa, MasterCard, and American Express.
  • It is our policy to make definitive financial arrangements before any treatment is started.
  • We are happy to assist you with dental insurance. As a courtesy service to you, we will complete all forms pertaining to your claims and send them promptly to your insurance company.
  • We ask that you read your policy to be sure that you are fully aware of any limitations of the benefits provided. It is our goal to ensure that you receive the maximum benefits from your dental insurance. All quotes for coverage are only estimates, not a guarantee of your insurance company’s payment. Many variables affect insurance and we cannot anticipate all occurrences that might interfere with payment. You are ultimately responsible for all charges associated with your treatment.
  • Please note that we are considered “out of network” with all dental insurance companies.
  • A finance fee of 1.5% per month (18% APR) will be applied to all balances that exceed 90 days. This is calculated from the date of service.
Patient-Friendly Financing Dental Procedures

We’re pleased to offer two excellent financing options for our patients.

Don’t pay for everything at once! We are now offering Sunbit as a flexible monthly pay option at SLO SMILES. Sunbit offers options to split payments from 6 – 72 months, approves 85% of patients with no hard credit check and no late fees. They also offer true no-interest payment plans for maximum flexibility. Check out the link below to see how much you are pre-qualified for!

CareCredit is the credit card exclusively for healthcare services. It offers special financing on purchases of $200 or more for dental treatments. Plus, you can use your CareCredit card over and over for follow-up appointments.

Both programs have easy, online applications that give you a response in minutes. Call SLO Smiles for details.

Sunbit →

Care Credit →


Please call (805) 541-0550 with any questions.

Office Hours
  • Monday7:00am - 5:00pm
  • Tuesday7:00am - 5:00pm
  • Wednesday7:00am - 5:00pm
  • Thursday7:00am - 5:00pm
  • Friday7:00am - 2:00pm
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New patients are always welcome at SLO Smiles. Our friendly San Luis Obispo dental team looks forward to meeting you!