Dental Implants Financing — Downey, CA
Implants now.
Pay monthly.
0% APR financing up to $60,000 puts implants within reach: a single tooth from about $58/mo, full-arch All-on-6 from about $333/mo. CareCredit and Sunbit accepted, PPO insurance applied first, soft no-impact pre-qualification. From UCLA-trained Dr. Henry Qiu.
- 4.9 Google Rating
- UCLA-Trained
- Lifetime Zirconia Warranty
312
Five-star Google reviews
UCLA-trained
Dr. Henry Qiu, lead dentist
Implant Instructor
DIO Faculty
1000+
Implants placed
5D Smiles in Downey, CA finances dental implants at 0% APR up to $60,000 for qualified patients. A single tooth implant ($3,500 all-inclusive) runs about $58 per month, a full-arch All-on-6 ($20,000 per arch) about $333 per month, and a dual-arch full-mouth case ($40,000) about $667 per month — all over 60 months at 0% APR. CareCredit and Sunbit are accepted, PPO insurance contributions ($1,500–$3,000) are applied first, pre-qualification is a soft no-impact credit check, and subprime lenders approve down to ~580 FICO. Every case is placed personally by UCLA-trained Dr. Henry Qiu.
Financing, built around implants
The price isn't the barrier. The monthly is.
Implants are a one-time investment that lasts decades — but few people pay for them in a single check. We built our financing around that reality: insurance applied first, then 0% APR up to $60,000 spread across manageable monthly payments, with CareCredit and Sunbit available for plans that need a longer runway. You leave the consult with one written, all-inclusive quote and the exact monthly number — no surprise add-ons later.
Most patients fund one of a few paths: a single tooth implant at $3,500 (about $58/mo), several teeth when a few are missing, or full-arch All-on-6 at $20,000 per arch (about $333/mo). Dr. Qiu maps the right one — and the right way to pay for it — at your $95 consultation.
What you'd actually pay
Monthly payments by case type.
Real examples at 0% APR over 60 months. These are sticker figures — your PPO contribution ($1,500–$3,000) is applied before financing, so most patients pay less than shown.
Single tooth implant
$58/mo
$3,500 all-inclusive · 0% APR
All-inclusive: implant, abutment, and final zirconia crown. 0% APR over 60 months.
All-on-6 (one arch)
$333/mo
$20,000 all-inclusive · 0% APR
Six implants, IV sedation, same-day arch, final zirconia — fully bundled. 0% APR over 60 months.
Dual-arch (full mouth)
$667/mo
$40,000 all-inclusive · 0% APR
Both arches in one surgical visit. Sits inside the $60,000 0% APR ceiling with room to spare.
Estimates assume 0% APR over 60 months for qualified patients (monthly ≈ financed amount ÷ 60). Actual terms, term length, and approval depend on your credit profile and the lender. Exact figures are confirmed in writing at your consultation.
How implant financing works here
Insurance first. Then 0% APR. Then options.
We stack the cheapest money first so you finance the smallest possible balance. Here's the order of operations on every implant case.
- Insurance first — your PPO contribution ($1,500–$3,000 typical) is applied before anything is financed
- 0% APR up to $60,000 through the practice's own financing for qualified patients
- CareCredit and Sunbit accepted for plans that stretch payments over 24–60 months
- Soft, no-impact pre-qualification — checking your rate does not affect your credit score
- Subprime healthcare lenders approve down to ~580 FICO with a small down payment
- One written quote at your $95 consult — the financed amount is your final, all-inclusive price
Treatment options
Treatments Made To Last
- Most chosen
Full mouth
All On X
Starts at, per arch
$20,000
- Permanent fixed full arch
- 6–8 implants per arch
- 10-year biological warranty
Snap-on
Overdentures
all-in
$13,000
- Snap-on removable arch
- Anchored on 2–4 implants
- Stable enough to chew confidently
Cosmetic
Cosmetics & Implants
Custom pricing
Custom
- Invisalign
- Implants
- Restorative work
Single tooth
Single tooth implant
Most patients invest
$3,500+
- Per tooth, depending on bone support and crown design
- Implant, abutment, and custom crown
- UV-activated titanium, placed and restored by Dr. Qiu
Financing for every patient
Millionaire money strategies,made possible by friendship.
The kind of moves usually reserved for ultra-high-net-worth clients. We open them up for our patients through banking relationships built over years.
Special
0% APR Loans up to
$60,000
HSA/FSA Eligible
Estimate your monthly
months
$150/mo
≈ $4.93 /day
About the price of a daily coffee. ☕
$20,000 at 9% APY, interest-only. $150/mo — principal never amortizes.
Looking at financing for other treatment too? This page focuses on dental implant financing specifically. For our full payment menu across every service — cosmetic, Invisalign, and general dentistry — see our general dental financing page. The same 0% APR program, CareCredit, and Sunbit options apply.
10-Year Biological Warranty
We back the biology — bone, healing, and the redo.
10 years when hygiene stays with us, 3 years if it goes elsewhere. Both tiers cover the porcelain crown. Full terms in the buyer's guide.
4.9 on Google
Out loud.
“I highly recommend 5D Smiles Dental Implant Center. Their professionalism and knowledge made me feel extremely confident in their work. They are beyond qualified and kind. I am always impressed with the quality of their work.”
Joe D
Verified Google review · Feb 2026
“My visit was refreshing and it felt genuine and Dr Qiu is a very professional person with a general concern for your dental needs. Straight shooter that make you feel welcomed.”
Michael Cone
Verified Google review · Feb 2026
“Great experience all around with my appointments. The staff and Dr. Q are so friendly and knowledgeable. They make me not hate the dentist 🥹”
Yesmin Sandoval
Verified Google review · May 2026
Why financing an implant beats a cheaper bridge
“Patients fixate on the sticker price and pick the cheaper bridge. Then they replace it twice over twenty years. An implant financed at zero percent often costs less per month than what they were already spending on repairs — and it's the last tooth they ever pay for in that spot.”
The research supports the math. Peer-reviewed cost-effectiveness studies on PubMed comparing single implants to fixed bridges report that a bridge's lower upfront cost is frequently erased over a long horizon, because bridges are typically replaced every 7 to 10 years while a well-maintained implant can last decades. Spreading that one-time implant cost across 0% APR monthly payments is how you capture the long-term savings without the upfront sticker shock.
$60,000
0% APR financing ceiling for qualified patients
~580
Lowest FICO our subprime lenders approve
$58/mo
Single tooth implant at 0% APR over 60 months
Frequently asked
Dental implant financing: common questions
- Often, yes. Our in-house 0% APR financing goes up to $60,000 for qualified patients, and for lower credit tiers we work with subprime healthcare lenders who approve down to roughly a 580 FICO score with a small down payment. Pre-qualification is a soft credit check that does not affect your score, so you can see your options risk-free.
Take 2 minutes
See your monthly payment.
Answer a few quick questions and Dr. Qiu personally reviews your case with a written, financed quote. Reserve your $95 consultation — applied to your treatment, refundable if you're not a candidate.
Step 1 of 10
~ 60 seconds
Transparent pricing — no surprises.
Here's every price we charge. No hidden costs, no upsell.
What we charge
Single tooth implant
$3,500+
per tooth · implant, abutment, and crown
Snap-on dentures (Overdentures)
$13,000
all-in · stable on 2–4 implants
Permanent full mouth (All On X)
$20,000
starts at, per arch · 10-year biological warranty
Cosmetic + Invisalign + restorative
Custom pricing
quoted to your specific plan
Your Implant Dentist
The doctor in the room is the one who does everything.
When you book a consult, you're not meeting a sales coordinator. You're meeting me. I'll personally read your CBCT, draft your treatment plan, and quote your exact price — start to finish.
— Dr. Henry Qiu, DDS
UCLA Trained · DIO Implant Faculty & Instructor