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Payment Options

Western Montana Family Dentistry is committed to providing you with the best possible dental care. Our fees reflect our professional commitment to excellence. In order to achieve these goals we need your assistance and understanding of our financial policy. We offer the following methods of payment of fees:

A. Payment in full is due at the time of service. We cannot grant exemptions. We offer a 5% discount for accounts paid in full at time of service with cash or check. For your convenience we also accept Visa, Mastercard, American Express and Discover. Insurance, credit and debit card transactions are ineligible for this discount.

B. As a courtesy to our patients we file your insurance. It is the responsibility of the patient to know the limits of your insurance. We cannot guarantee what your insurance will pay. We will estimate as closely as possible what your out of pocket expenses will be. You will be expected to make payment at the time of service for any deductibles or co-payments for your treatment. If insurance claims take over 60 days to be paid by the insurance company, we ask that the patient pay the balance in full and once the insurance pays the claim we will issue a refund if there is one coming to the patient.

C. We also offer interest free or extended payment plans through CareCredit dental financing (O.A.C.). You may apply by going to www.carecredit.com. If approved, print off approval with your account number and bring to your appointment.

If you have questions regarding your account, please contact us at 406-676-8880. Many times, a simple telephone call will clear any misunderstandings.

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How It WorksChoose from a range of monthly payment plans, with qualifying 0% APR options. Applying is simple and doesnot impact your credit score. If you're approved for financing, you can use your funds immediately. Manage your payment options using Cherry's self-serve patient portal.

Flexible Payments For Any BudgetUse the payment calculator to simulate what your monthly payments could look like.*

Purchase Amount

Payment Plan (months)

36121824

Patient Financial Situation

OKAY

GOOD

GREAT

GREAT means a patient may have high credit and no adverse financial history, such as recent missed payments.

Enter a purchase amount, payment plan, and financial situation to see estimated payments

*These are examples only. 0% APR and other promotional rates subject to eligibility. Exact terms and APR depend on credit score and other factors. Not every practice that uses Cherry will offer the payment plan terms listed above. Down payment in the amount of monthly payment will be due at the time of purchase.

As an example, a $1,000 purchase may cost $250/month over 3 months at 0% APR with down payment in the amount of monthly payment due at the time of purchase.

APPLY

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TestimonialsDon’t just take our word for it! Here’s what other patients have to say about Cherry…

Bryana

“I was worried the application would take long, I would have paid on my credit card – but it only took a few minutes and I'm so happy I can split my payments up now!”

Alex

“Cherry was really easy to use and super fast. I can't wait to go back and try different services now that I can split my payments!”

Marie

“I used this on Monday and it was great. Low down payment and low monthly. You all should try it.”

Gabriel

“Cherry was great, one of the better lending companies I’ve ever used. Making payments was a lot easier and I appreciate that Cherry was willing to work with me.”

Alyssa

“Cherry is amazing!!! Now we can get everything done!!”

Cassie

“I’ve been putting off these treatments for a long time. I scheduled them all today using Cherry!”

Frequently Asked Questions

How long is my approval valid for?

Approvals are valid for 30 days. Once that time period expires, you are welcome to reapply.

Can I increase my approval amount?

If you are eligible for an increase, you may request this through the Cherry Patient Portal. Increased approval amount and decision are subject to eligibility. If you do not see the button to "request an increase," it means you are ineligible for an increase at this time.

Can I pay this off early?

Yes, Cherry does not have any prepayment penalties. If you have interest and pay off early, you’ll even avoid some of that interest.

Does my 0% APR offer expire?

No, if you’re eligible for a 0% APR offer, it doesn’t expire for the current approval. For example: If you were approved for a 6 month term with 0% APR, this promotion is valid until the end of term as long as you stay current with your payments.

How much is my down payment and when is it due?

Once you input your purchase price, you’ll be provided with the options you have for down payment. It is due when the practice confirms they will need the funds in order to move forward with your services. Remember to bring your bank issued debit or credit card* when you are ready for checkout.

*Making payments via Pre-Paid Debit Card or Credit Card will result in a 2.99% processing fee. There is no processing fee for making a down payment with a traditional Debit Card.

How are refunds handled?

To request a refund, please contact Western Montana Family Dentistry directly.

We defer to the refund policies put in place by Western Montana Family Dentistry and cannot initiate a refund without their approval.

Once Western Montana Family Dentistry authorizes a refund we will deposit the refunded amount (full or partial) into your account. Your Cherry account status and loan balance are adjusted accordingly.

If a partial refund is issued, your loan amount will be adjusted to reflect your new remaining balance. If a refund is issued in full, any payments made on your loan will be returned to you.

Does Cherry report to the credit bureaus?

Yes, Cherry may report the status of our borrowers’ accounts to Equifax, one of the major credit bureaus.

Can missing payments on my account with Cherry hurt my credit?

Cherry is required to report all payment history to the credit bureaus. This means we may also report late payments, missed payments, or other deliquencies on your account to the credit bureaus.

Manage My PlanManage your payment plans inside the Cherry Patient Portal.

CHERRY PATIENT PORTAL