Neola Dental in Minneola, FL offers 0% financing up to 24 months plus CareCredit. Flexible payment plans so cost never delays your care. (352) 717-2177.
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Dr. Josaida Contreras
Published July 14, 2026 · 7 min read
Short answer: Yes. Neola Dental in Minneola, FL offers dental financing with 0% interest for up to 24 months, and we accept CareCredit for longer-term plans. Most patients get a decision in minutes from their phone, and you can finance anything from a cleaning to a full dental implant - so cost never has to be the reason you wait.
At Neola Dental, 825 US-27 #104, Minneola, FL 34715, we believe a healthy smile should be within reach for every Central Florida family. Call us at (352) 717-2177 or request an appointment and we will walk you through every option before treatment starts.
Written by Dra. Josaida Contreras, DDS - family dentist and owner of Neola Dental in Minneola, Florida.
Why So Many Patients Put Off Dental Care
I see it almost every week: a patient knew a tooth was bothering them for months but kept waiting because they were unsure how to pay for it. By the time they come in, a problem that could have been a simple filling has become a root canal or an extraction. Dental problems do not pause while you budget. A cavity grows, a cracked tooth weakens, and a missing tooth shifts the ones beside it. Financing exists so you can fix a problem early - when it is small and affordable - and spread the cost over time instead of facing one large bill.
How Dental Financing Works at Neola Dental
Dental financing lets you receive treatment now and pay in smaller monthly amounts. At Neola Dental we keep it simple:
Written treatment plan first. After your exam you get an honest, itemized estimate.
We review your options together, including 0% interest plans when you qualify.
You apply in minutes on your phone or our tablet, with most decisions before you leave.
You start treatment right away.
Approval is never guaranteed - it depends on the lender and your credit. But we work hard to find an option, and we are upfront when something does not fit.
What Does "0% Interest for 24 Months" Really Mean?
A 0% interest plan means that if you qualify and pay off your balance within the promotional period - up to 24 months at Neola Dental - you pay no interest, only the cost of your treatment in equal monthly payments. A $2,400 procedure on a 24-month 0% plan is close to $100 a month with no interest added. This is the most popular option our patients choose because it is predictable: you know your monthly number, your end date, and your balance does not grow with interest. Terms depend on lender approval, the amount financed, and on-time payments; if a payment is missed or the balance is not paid within the window, deferred interest can apply. We explain all of this before you sign.
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Dr. Josaida Contreras
Doctor of Dental Surgery · Founder, Neola Dental
Josaida Contreras is a Doctor of Dental Surgery and Endodontics specialist with nearly 20 years of experience. Educated in both Latin America and the U.S., she continues to expand her expertise through advanced training in implant dentistry.
825 US-27 #104, Minneola, FL 34715 · Serving Clermont & all of Lake County
Does Neola Dental Accept CareCredit?
Yes. Neola Dental accepts CareCredit, one of the most widely used healthcare credit cards in the United States. You can use it for services insurance may not fully cover, with short-term promotional plans (6, 12, 18, or 24 months with no interest when paid in full) and longer-term plans at reduced interest for larger amounts. If you already have a card, bring it to your visit; if not, we can help you apply in minutes. Approval and terms depend on your credit profile.
Can I Get Dental Financing With Bad Credit or No Credit Check?
I will be straight with you: true "no credit check" financing is rare in dentistry, and any option promising guaranteed approval deserves caution - there is usually a catch in the fine print. Financing today is far more flexible than it used to be. Some lenders we work with consider income and your overall situation, not just your score, so if one lender does not approve you, another might. Our team helps you apply to the option most likely to work, and we also welcome patients who prefer to pay as they go. Our promise is honesty: we never push a plan you cannot afford.
Which Treatments Can I Finance at Neola Dental?
You can finance nearly any treatment on our services menu, and financing is especially helpful for higher-cost procedures:
**Dental implants** - a permanent replacement financing often makes possible years sooner.
Crowns and bridges - restoring damaged or missing teeth.
Dentures and implant-supported dentures - full-arch solutions.
Root canals and extractions - urgent care that should never wait.
Cosmetic and preventive care - veneers, bonding, whitening, cleanings, and fillings.
Not sure whether a specific treatment qualifies? Just ask. We review your plan line by line.
How to Apply for Dental Financing
Getting started is easy, and you do not need it all figured out before you call:
Complete your exam and get a written, itemized plan.
Review financing together - 0% options, CareCredit, and more.
Apply on your phone or our tablet in a few minutes.
Get your decision and start treatment at your pace.
Our team explains the fine print and confirms the monthly amount fits your budget before you commit.
A Note From Dr. Contreras
I became a dentist to help families feel confident about their smiles, not anxious about how to pay for them. Financing is a tool, not a sales pitch - it lets you protect your health now instead of waiting until a small problem becomes a costly emergency. If cost is the only thing standing between you and the care you need, please call us. We will find a path forward together, honestly and at your pace.
Frequently Asked Questions
Do dentists offer payment plans?
Yes. Most dental practices, including Neola Dental in Minneola, FL, offer payment plans or third-party financing so you can spread the cost of treatment over time. At our office these can include 0% interest for up to 24 months and CareCredit, depending on lender approval and your treatment.
What credit score is needed for a dental payment plan?
There is no single required score, because each lender sets its own standard and weighs factors beyond the number. Some plans are available with fair credit; others focus on income and history. The best way to know is to apply - and we help you choose the lender most likely to approve you.
Does Neola Dental offer financing?
Yes. Neola Dental offers 0% interest plans for up to 24 months when you qualify, plus CareCredit for longer terms. You can apply during your visit and usually get a decision in minutes. Approval is not guaranteed and depends on your credit and the lender.
How can I get dental work if I can't afford it upfront?
If paying upfront is not realistic, financing lets you begin treatment now and pay in smaller monthly amounts. At Neola Dental we give you a written estimate first, then review 0% plans, CareCredit, and other options so the monthly payment fits your budget. We never pressure you into a plan you cannot afford.
Can I use CareCredit at Neola Dental?
Yes. Neola Dental accepts CareCredit for most procedures, including implants, crowns, and preventive care. If you already have a card, bring it to your appointment; if not, we can help you apply in minutes. Approval and terms depend on CareCredit's review of your credit.
Is there 0% interest dental financing?
Yes. Neola Dental offers promotional 0% interest financing for up to 24 months when you qualify and pay the balance within the promotional period. You pay only the cost of your treatment in equal monthly payments, with no interest added - as long as the terms are met. Eligibility depends on the lender and your application.
Dra. Josaida Contreras, DDS, is the owner and treating dentist at Neola Dental, a family dental practice serving Minneola, Clermont, Groveland, and the greater Lake County area of Central Florida. This page is for general information; financing approval and terms depend on the lender, your application, and your credit profile, and are not guaranteed.
Medically Reviewed By
Dr. Josaida Contreras, DDS
General and Cosmetic Dentistry · ~20 years of clinical experience · Full bio
