Flexible Patient Financing

iFinance Dentalcard* Financing

Every child deserves a healthy, pain-free smile. With iFinance Canada Dentalcard, you can break treatment costs into manageable monthly payments with 0% down options and fast credit decisions*.

Apply Online with iFinance → Credit & Approval Notice*

*Important Notice: Financing is On Approved Credit (OAC) Standard Credit Check

Just like any standard credit application (such as for a credit card, auto loan, or mortgage), all financing through iFinance Canada is strictly On Approved Credit (OAC). Approval is not guaranteed and depends entirely on your credit evaluation.

• Credit-based assessment: Loan approval is determined by iFinance Canada using standard credit bureau evaluation.

• Variable interest rates: Depending on your credit score, you might be approved as requested, or approved with a different interest rate or term.

• Zero obligation to review: You can apply and see your exact personalized interest rate and payment options before deciding whether to accept.

Fast Online Decision*

Apply in under 5 minutes from your phone or home. Receive a fast decision through iFinance Canada based on standard credit assessment (OAC)*.

Flexible 12–84 Month Terms

Choose a repayment plan that fits your family's monthly budget. Finance any amount from $500 up to $25,000+.

100% Open Loan

Pay off your balance early at any time with zero penalty fees. You only pay interest for the duration you use.

Canada's Trusted Dental Financing

What is iFinance Dentalcard?

Dentalcard is a specialized healthcare financing service operated by iFinance Canada. It functions like a dedicated healthcare line of credit that allows parents to pay for their child’s dental care over time rather than all upfront.

Once approved, iFinance pays Just 4 Kidz Dental directly. This ensures there is never a delay in receiving urgent treatment, specialized pediatric surgery, conscious sedation, or orthodontic care for your child.

Combines with Insurance Reimbursement & CDCP

Helpful Reminder: Patients pay for their appointments directly at the time of service, and our clinic submits the electronic claim so your dental insurance reimburses you directly. You can use iFinance to comfortably manage upfront costs and pay off the open loan anytime with zero penalty once your insurance reimbursement arrives!

What Treatments Can Be Financed?

Mild Sedation & General Anesthesia: In-clinic sedation options.
Restoratives Fillings & Crowns: White composite fillings and stainless steel pediatric crowns.
Emergency Dental Care: Accidental tooth trauma, pulp therapy, and urgent pediatric treatments.
Preventative & Specialty Care: Sealants, fluoride therapy, and custom sports mouthguards.

Simple 4-Step Process

How iFinance Financing Works

From your initial consultation to approved care in 4 simple steps.

Get a Treatment Plan

Dr. Raj Mahal examines your child and provides a comprehensive, transparent treatment breakdown with estimated costs.

Apply in 5 Minutes

Complete the secure online application on your phone, computer, or in our Ottawa clinic with our team's help.

Credit Decision & Rates*

iFinance conducts a standard credit check to determine approval, borrowing limits, and interest rate options tailored to your credit profile (OAC).

Care Begins Immediately

iFinance pays our clinic directly. Your child receives top-tier specialist care right away with zero stress.

Affordable Monthly Estimates

Sample Payment Options

Below are representative monthly payment examples showing how affordable specialized care can be.

Financed Amount	12 Months	24 Months	36 Months	48 Months
$1,000	~$91 / mo	~$49 / mo	~$35 / mo	~$28 / mo
$2,500	~$228 / mo	~$122 / mo	~$88 / mo	~$70 / mo
$5,000	~$455 / mo	~$245 / mo	~$175 / mo	~$140 / mo
$7,500+	~$682 / mo	~$367 / mo	~$263 / mo	~$210 / mo

* Disclaimer & Credit Terms: Monthly payment figures shown above are representative estimates for illustration only. All loans are On Approved Credit (OAC). Just like any normal credit check, final approval, available loan amounts, and applicable interest rates depend on your individual credit assessment and credit score. Applicants may be approved as estimated or offered a loan with a different interest rate or repayment term based on their credit evaluation. Prepayment in full or in part is permitted at any time with zero penalty.

Common Questions

Frequently Asked Questions

Like any standard credit application (such as applying for a credit card, auto loan, or bank financing), your application undergoes a standard credit check conducted by iFinance Canada. All approvals and interest rates are determined directly by iFinance based on your credit score, credit history, and debt-to-income ratio.

Because every applicant's credit background is different:

You may get approved as requested with standard prime interest rates and your preferred monthly repayment schedule.
You may get approved with a different interest rate or adjusted term tailored to your credit score and risk tier.
You may be offered an adjusted credit limit or have the option to apply with a co-signer to secure better rates or higher approval limits.

Applying is quick, and you can review your customized rate and exact monthly payment with zero obligation before deciding whether to accept the loan.

No. Applying for pre-approval with iFinance Dentalcard is completely free of charge. You can review your approved loan offer with full rate and term transparency before deciding whether to proceed.

Yes! All iFinance Dentalcard loans are 100% open loans. You can make lump-sum payments or pay off the remaining balance at any time with absolutely zero penalties or hidden discharge fees.

iFinance works with a wide variety of credit profiles and has very high approval rates across Canada. If you have limited credit or are currently rebuilding your credit score, you can easily apply with a co-signer (such as a spouse, partner, or family member) to increase approval odds and potentially secure lower interest rates.

Yes! At Just 4 Kidz Dental, patients pay for their appointments directly at the time of treatment, and our team immediately submits your claim electronically so your dental insurance company reimburses you directly.

Many parents use iFinance to comfortably handle the initial upfront treatment cost. Because all iFinance loans are 100% open with zero prepayment penalties, you can pay off the loan in full as soon as your insurance reimbursement cheque or direct deposit arrives, or keep it on convenient monthly payments for any deductibles, co-pays, or uncovered procedures.

Ready to Give Your Child the Smile They Deserve?

Contact our friendly Ottawa team to schedule your consultation, or apply directly online through iFinance today.

Apply on iFinance Canada → Book Consultation

* iFinance Canada (Dentalcard) Financing Disclosures & Terms

Lender Independence: All financing is administered, adjudicated, and funded directly by iFinance Canada Inc. (operating as Dentalcard). Just 4 Kidz Dental is a specialized pediatric dental practice and is not a lender, broker, or credit underwriter. We do not evaluate credit, make lending decisions, or determine interest rates.

On Approved Credit (OAC): All financing is strictly On Approved Credit (OAC) and subject to standard credit bureau checks. Like any normal credit check, approval is not guaranteed. Based on individual credit assessment, applicants may be approved as applied, approved for an adjusted loan amount, approved with a different interest rate or repayment term, or declined.

Rate & Term Transparency: Payment examples and estimates on this website are for informational purposes only and do not constitute an offer. Your exact interest rate, annual percentage rate (APR), monthly payments, and total cost of borrowing are established directly by iFinance Canada in your formal loan agreement prior to acceptance. All loans are open and may be paid in full early with zero penalty.