I already have a credit card, why should I apply for the ALL Care Card?
 

By having a line of dental credit exclusive for your dental health, you will not need to tie up your traditional credit cards or personal funds that are commonly used for vacations, unexpected household expenses, etc.  Traditional credit cards rarely offer interest-free or low fixed APR purchases.

How long will I have to pay off my treatment?
 

Depending on the programs available at your dentists office, you may have up to four years to pay off your treatment.

What plans are available and how does the interest rate compare to my consumer credit cards?
 

Plan availability is determined at your dentist’s office.  Below are our most popular options that may be available to you.

No Interest Payment Options*
 

ALL Care offers several “No Interest Payment Options” to fit your needs.  Let us pay the interest for you.  Our No Interest Payment Options provide convenient payment solutions for dental treatment plans you intend to pay off in 3, 6 or 12 months.
 

Reduced Rate Payment Option**
 

Our Reduced Rate Option provides you with a fixed APR of 8.90%, low monthly payments and up to four years to pay off your charge.
 

Extended Payment Option***
 

Our Extended Payment Options gives you the flexibility of low monthly payments and a fixed APR of 14.99%.  This program offer you the lowest minimum monthly payment of all.  A $3,000 treatment will require minimum monthly payments of only $60.00!!  Available for charges exceeding $1,000.00.

How much interest will I be paying?
 

There are several No Interest Options* available, that will enable you to pay off your treatment and pay no interest.  There is also a low-interest option that provides you with a fixed APR of just 8.9%.**

How much will my monthly payment be?
 

Refer to our Payment Calculator for estimated minimum monthly payments.  A $10,000 treatment plan can be as affordable as $280.00 a month.

How do I apply?
 

Simply complete the application at your dentist's office and receive your credit decision in just minutes.

My dentist office does not offer the ALL Care Program, now what?
 

Use the patient referral form and we will contact your dental office and arrange to enroll them into our program.  Or you may contact us to locate other dentists convenient to you that already offer the ALL Care Program.

*Special terms of 3, 6 and 12 months no interest option with regular minimum monthly payments will apply to purchases charged with approved credit to your ALL CARE Financing card issued by Wells Fargo Financial National Bank.  Regular minimum monthly payments are required during the option period.  The no interest option means there is no interest if your purchase is paid in full within the 3, 6 or 12 months after the date of purchase; otherwise, interest accrues from date of purchase at the regular APR for purchases.  The regular APR is 21.50% as of April 1, 2006.  The APR may vary.

**Special Terms of 8.9% (.742% monthly periodic rate) with regular minimum monthly payments will apply.

***Special terms of 14.99% APR (1.25% monthly periodic rate) with regular minimum monthly payments will apply to qualifying purchases charged with approved credit to your ALL Care card issued by Wells Fargo Financial National Bank. The special-terms APR will continue to apply until all qualifying purchases are paid in full, unless you are in default. Regular minimum monthly payments are required. If you are in default or use your card for other transactions, the regular APR is 22.25% as of April 1, 2007. The regular APR may vary.