Why are you giving CareCredit 20 to 30 percent of every dollar your patients finance?
Dotly charges 7.5%. You get paid in full within 1 business day of patient approval, and your patient carries the loan, not your practice.
- Paid in full within 1 business day of patient approval
- Soft credit check, 60 second patient decisions
- Patient is fully liable for the loan, not your practice
- 7.5% platform fee, no monthly fee for early customers
One application. Multiple lenders. Best approval wins.
Most dental financing gives your patient one shot at approval — one lender, one decision. Dotly runs one application through multiple lenders simultaneously and returns the best offer in under 60 seconds. More patients get approved. More treatments get accepted. Your practice gets paid.
CareCredit takes up to 30 cents of every dollar your patient finances. Dotly takes 7.5 cents.
That is not a small difference. On $10,000 in financed treatments, CareCredit keeps up to $3,000. Dotly keeps $750.
← Swipe to compare →
| Feature | DotlyBEST | CareCredit | Sunbit | Cherry |
|---|---|---|---|---|
| Merchant fee | 7.5% only | 20 to 30% | From 8% | From 8% |
| Multi-lender waterfall | One application, multiple lenders, best approval wins | Single lender, one shot at approval | Single lender, one shot at approval | Single lender, one shot at approval |
| Practice gets paid | Within 1 business day, 100% upfront | Batched, partial | Next day | Variable |
| Patient approval time | Under 60 seconds | Minutes to days | 30 seconds | 60 seconds |
| Debt type for patient | Fixed installment | Revolving credit card (deferred interest trap) | Fixed installment | Fixed installment |
| Monthly subscription | Free for early customers | Required | Required | None |
| Setup | Free, less than 1 day | Sales rep required | Sales assisted | Self-serve |
The Consumer Financial Protection Bureau has flagged CareCredit's deferred interest model as predatory and anti-consumer. Dotly uses fixed simple interest, so your patients always know exactly what they owe.
Three steps to getting paid faster.
Patient applies at checkout
Share a QR code or link. The patient applies in under 60 seconds, with no paperwork, no fax, and no waiting room awkwardness.
Dotly approves and funds
We run a soft credit check and return a decision instantly. Once approved, the full treatment amount lands in your account within 1 business day.
You focus on care
The patient repays the financing bank directly on a fixed schedule. They are fully liable for the loan, freeing you to focus on dentistry.
Built for the modern dental practice.
100% upfront payment
Dotly pays your practice in full within 1 business day of patient approval. No waiting, no installment batches.
Patient carries the loan
The patient is fully liable to the financing bank for repayment. Your practice is paid upfront and is out of the loan entirely.
60-second approvals
Soft credit check only. Patients apply in office or on their phone and get an instant decision.
Real-time dashboard
View all patients, treatment plans, financing statuses, and disbursements in one place.
Stop waiting weeks to get paid.
Start growing.
We are onboarding dental practices now. Setup is free, takes less than a day, and early customers pay no monthly fee.
- Free setup and onboarding
- No monthly fee for early customers, only pay when you use Dotly
- Dedicated support during onboarding
- Works with your existing Stripe account