Best Membership & Patient Financing Tools 2026
In-house dental membership plan platforms and patient financing tools that help practices retain uninsured patients and improve case acceptance.
18 vendors trackedDental membership plans have become a major strategy for reducing insurance dependence. These platforms let practices create branded, direct-pay plans covering preventive care at a flat annual or monthly fee. The segment is growing rapidly as practices seek predictable recurring revenue and a better experience for uninsured patients, who make up over 70 million Americans.
Last updated: May 2026 · Researched by AI from public sources
18 vendors in this category
Kleer
#1 in categoryUnclaimedKleer is a leading in-office dental membership plan platform that enables practices to offer affordable direct-pay care plans to uninsured patients, replacing insurance dependency.
BoomCloud
UnclaimedBoomCloud is a dental membership plan software platform for creating and growing in-house patient membership programs, with built-in recurring billing and plan analytics.
DentaFund
UnclaimedDentaFund is a patient financing and dental membership plan platform that helps practices offer flexible payment options to patients and manage in-house plans.
Subscribili
UnclaimedSubscribili is a dental membership plan and patient financing platform that helps practices grow recurring revenue by retaining uninsured patients through affordable in-house plans.
Sunbit
UnclaimedPoint-of-sale patient financing for dental — high approval rates, instant decisions at checkout
Proceed Finance
UnclaimedPatient financing for dental and healthcare with fast approvals and practice-friendly terms
Wisetack
UnclaimedBuy-now-pay-later patient financing for dental and home services with seamless PMS integration
CareCredit
UnclaimedOriginal healthcare patient financing — accepted at 260,000+ providers including dental
Cherry
UnclaimedPatient financing for dental and aesthetics with high approval rates and practice-friendly terms
LendingPoint
UnclaimedPersonal loans and patient financing including dental procedures
Covered
UnclaimedDental-specific BNPL financing platform
Denefits
UnclaimedPatient financing with guaranteed payments — practice gets paid regardless of patient default
Plan Forward
UnclaimedIn-house dental membership plan software with automated billing and renewals
OrthoBanc
UnclaimedAutomated payment processing and patient financing specifically for orthodontic practices
Choice Payment Services
UnclaimedChoice Payment Services provides payment processing and patient financing solutions designed for dental practices, including credit card processing, payment plans, and practice financing options.
Walnut
UnclaimedWalnut is a patient financing platform helping dental practices offer affordable payment plans to patients, improving case acceptance for high-value treatments.
FeatherPay
UnclaimedFeatherPay is a patient financing and payment platform for dental practices providing flexible payment plans, automated payment processing, and billing solutions.
SMILE Health
UnclaimedSMILE Health is a dental membership plan platform enabling practices to create and manage in-house membership plans as an alternative to traditional insurance.
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Dental Patient Financing Compared: Sunbit vs CareCredit vs Kleer vs Pearly vs Wisetack
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