Dental Implant Financing in Roseville, CA
Real numbers, upfront. See what dental implants actually cost, calculate your monthly payment, and compare financing options — before you ever sit in the chair.
What Dental Implants Cost in the Roseville Area
Most offices make you book an appointment just to hear a price. Here are the typical ranges for treatment at our Roseville surgical center. Your exact quote — a transparent, itemized treatment plan — comes after a 3D scan at your consultation.
| Procedure | Typical Range | With Financing |
|---|---|---|
| Single Tooth Implant (implant + abutment + crown) | $3,500 – $6,800 | from ~$75/mo |
| Snap-On Dentures (implant-retained, per arch) | $12,000 – $18,000 | from ~$230/mo |
| All-on-4 Dental Implants (per arch) | $19,500 – $28,000 | from ~$370/mo |
| Full Mouth Restoration (both arches) | $38,000 – $55,000 | from ~$720/mo |
| Bone Grafting (if needed) | $600 – $3,000 per site | — |
Ranges reflect typical cases and include surgical placement; complexity, materials, and additional procedures (like bone grafting) affect the final figure. Monthly estimates assume financing over 60–84 months at typical approved rates.
Calculate Your Monthly Payment
Move the sliders to match your treatment and terms. This is the same math your lender uses.
Financing $20,000 over 60 months at 9.99% APR. Estimates only — final terms come from your lender.
Get Your Exact NumbersCompare Our Financing Partners
We partner with four lenders so you can be matched with the plan that fits your situation — not forced into one product. Our treatment coordinators help you apply and compare offers.
CareCredit
Best for: Shorter-term, promotional 0% plans
Terms: 6–24 month promotional no-interest plans (if paid in full); extended plans up to 60 months
Healthcare-only credit card; widely used for dental work; soft-check prequalification
LendingClub Patient Solutions
Best for: Fixed-rate installment loans
Terms: Terms typically 24–84 months with fixed monthly payments
True installment loan (not a credit card); rates based on credit profile
Proceed Finance
Best for: Larger cases like full-arch treatment
Terms: Longer terms available (up to 96 months) to keep monthly payments low
Designed for high-value treatment plans; competitive fixed rates for qualified borrowers
LendingUSA
Best for: Fast approvals across a range of credit profiles
Terms: Fixed terms with promotional interest options on some plans
Quick online application with decisions in minutes
Rates, terms, and approval depend on your credit profile and the lender's current offerings. Prequalification with most partners uses a soft credit check that does not affect your score.
What Dental Insurance Typically Covers
Few dental plans cover implants in full, but many contribute more than patients expect. Coverage commonly applies to extractions, the implant crown (often billed like any other crown), and sometimes a portion of the surgical fee. Annual maximums — typically $1,000 to $2,000 — cap the total benefit per year, which is why some patients phase treatment across two plan years.
In specific medical situations — trauma, pathology, or reconstruction — parts of treatment may be billable to medical insurance rather than dental. As an oral and maxillofacial surgery practice, we handle medical-necessity billing where it legitimately applies.
Bring your insurance information to your consultation (or see our insurance page) and our team will verify your benefits and give you a clear breakdown of insurance versus out-of-pocket before treatment begins.
How Payment Works at Galleria
- A transparent, itemized treatment plan after your 3D scan — every fee listed, nothing hidden
- Financing applications handled with our coordinators, comparing multiple lenders at once
- Insurance verified and billed on your behalf
- No charge until your treatment plan is finalized and you've approved every line item
Financing Questions, Answered
How much do dental implants cost per month?
With financing, a single tooth implant typically works out to roughly $75–$150 per month, and full-arch All-on-4 treatment from about $370–$600 per month, depending on your down payment, term length, and rate. Use the calculator on this page to model your own numbers, then verify exact terms with a lender pre-approval.
Can you finance dental implants with bad credit?
Often yes. We work with multiple lenders on purpose — each weighs credit differently, and some specialize in approvals across a wider range of credit profiles. A co-signer or a larger down payment can also improve approval odds and rates. Applying with several of our lending partners involves only soft credit checks at the prequalification stage.
Do dental implants come with payment plans?
Yes. Financing through our lending partners spreads treatment over 6 to 96 months depending on the lender and plan. After your consultation you'll receive a transparent, itemized treatment plan so you know exactly what you're financing before you commit.
Can I get a loan for dental implants?
Yes. Beyond healthcare credit cards like CareCredit, several of our partners — LendingClub Patient Solutions, Proceed Finance, and LendingUSA — offer true installment loans for dental implants with fixed rates and terms from 24 to 96 months. A dental implant loan gives you a predictable monthly payment and a defined payoff date, which many patients prefer for larger treatment plans.
Does dental insurance cover implants?
Many dental plans contribute toward parts of implant treatment — commonly the crown, extractions, or a portion of the surgical fee — though few cover the full cost. Annual maximums (often $1,000–$2,000) usually cap the benefit. Our team verifies your benefits before treatment and bills insurance on your behalf so there are no surprises.
Is a 0% interest plan really interest-free?
Promotional no-interest plans (like CareCredit's) are genuinely 0% only if the balance is paid in full within the promotional window. If a balance remains, deferred interest can apply retroactively. For longer payoff timelines, a fixed-rate installment loan is often the safer structure — we're happy to walk you through the difference.
What does the consultation cost?
Your consultation includes a 3D CT scan and a complete, itemized treatment plan with exact pricing for your case — so the ranges on this page become a precise number before you make any decision.
Get Your Exact Numbers
One consultation gives you a precise, itemized quote and a financing plan that fits your budget. Explore dental implants, same-day implants, or All-on-4 — then let's make it affordable.
Schedule Your Consultation