Lower fees. More approvals. Multiple lenders working for your dental practice.
Most dental financing companies take up to 30% of every financed dollar. Dotly charges just 7.5%. Your practice gets paid in full within 1 business day and your patient carries the loan.
- 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.
You do the work. You should keep more of what your patients finance.
Traditional dental financing quietly takes a cut of every dollar your patient finances. The fee varies by plan, by lender, and by promotional period — and most practices never see a clear number. Dotly charges 7.5%. That is it. No hidden costs, no surprises.
$5,000 financed procedure
$10,000 financed procedure
4 financed procedures per month at $2,500 average
Calculations based on Dotly's 7.5% MDR and a traditional promotional financing MDR of up to 30%. Actual savings vary by plan and lender.
And the fee is just the beginning. Here is how Dotly compares on everything that actually matters to your practice.
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| Feature | DotlyBEST | CareCredit | Sunbit | Cherry |
|---|---|---|---|---|
| Fees publicly disclosed | Yes — 7.5%, no surprises | No — sales call required | No — sales call required | No — sales call required |
| 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 |
| Zero collection risk | Yes — fully transferred, not your problem | No — practice absorbs risk | Yes | Partial |
| Practice gets paid | Within 1 business day, 100% upfront | Batched, partial | Next day | 2 to 3 days |
| Patient approval time | Under 60 seconds | Minutes to days | 30 seconds | 60 seconds |
| Debt type for patient | Fixed installment — no surprises | Revolving credit card — deferred interest | Fixed installment | Fixed installment |
| Monthly subscription | Free for early customers | Not publicly disclosed | Not publicly disclosed | None |
| Setup | Free, less than 1 day | Sales rep required | Sales assisted | Self-serve |
The Consumer Financial Protection Bureau considers deferred interest harmful to consumers. A single missed payment can trigger retroactive interest charged all the way back to day one. Dotly uses fixed simple interest only — your patients always know exactly what they owe, with no surprises.
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, no chasing receivables.
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. No hard pull, no rejection stigma at the chair.
Real-time dashboard
View all patients, treatment plans, financing statuses, and disbursements in one place. Your front desk will always know exactly where things stand.
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