Luminary Orthodontics
Your smile journey, made accessible.
Luminary offers flexible in-house payment plans and third-party financing partners to ensure cost is never a barrier to the care you deserve.
At Luminary, we believe that a beautiful, healthy smile should be within reach for every family. We work with you to find a financing path that fits your budget — and we never ask you to choose between quality care and financial comfort.
During your complimentary Smile Analysis, we review all available options with you, apply your insurance benefits first, and present a clear written plan before you make any decisions.
Your Options
Flexible ways to invest in your smile.
In-house payment plans
Interest-free for qualified patientsFlexible. Simple. No middleman.
We offer interest-free in-house payment plans that spread your investment across the duration of your treatment. Pay a modest down payment at the start, and the remainder is divided into equal monthly installments — no credit check required for most plans. We work with your budget, not against it.
CareCredit
Apply online before your visitHealthcare financing with promotional periods.
CareCredit is a healthcare credit card that offers promotional financing options, including deferred interest periods. It is widely accepted and easy to apply for online before your Smile Analysis. Our team can walk you through how to apply.
Sunbit
Fast approval processQuick approval. Flexible terms.
Sunbit offers point-of-care financing with a fast approval process and flexible repayment terms. It's designed to be accessible — most applicants are approved quickly, and you can choose a repayment schedule that fits your monthly budget.
Insurance + financing combined
We verify and apply your benefits firstMaximize your benefits.
If you have dental insurance with an orthodontic benefit, we apply your coverage first and offer financing for any remaining balance. We walk through the math with you so you understand exactly what you will owe before treatment begins.
Questions About Financing
Financing answers, clearly stated.
Do I need good credit to get a payment plan?
Our in-house payment plans are available to most patients without a formal credit check. Third-party financing partners like CareCredit and Sunbit conduct their own review, but are designed to be accessible.
Is there a down payment required?
A modest initial payment is typically required to begin treatment. The exact amount depends on your treatment type and plan. We review this during your complimentary Smile Analysis.
What if my financial situation changes during treatment?
Reach out to us. We work with our patients through life changes. Our goal is to make sure you can complete your treatment without financial stress.
How do I know what I will owe before starting?
Transparent pricing is a Luminary standard. Before treatment begins, you will receive a written plan that details your total investment, insurance coverage (if applicable), financing options, and your projected monthly payment. No surprises.
Our Promise
Transparent pricing is part of the Luminary standard.
You will never receive a surprise bill at Luminary. Before treatment begins, you receive a written plan that clearly shows your total investment, your insurance benefits applied, your financing option selected, and your projected monthly payment. We believe trust starts with clarity.
Reserve your complimentary Smile Analysis.
We’ll review your financing options together — clearly, honestly, and without pressure. Your smile is worth it, and we’ll find a plan that works for you.