Smile Generation Reviews 

We financed with them and after two years, they took more of my money than went towards the principle. That’s when I paid them off. They gave me a receipt that says, paid in full. The next month, I get a bill with interest and late charges!!!
I paid them again!!!!
Don’t ever do business with this evil company!!!! You will definitely regret it!!!!

The quality of care was good but the rest was horrible. The price for my treatment was different every single appointment over the past 6 months and I was put on the spot every single time. Every time I tried to get the number ahead of time, I was met with coldness and defensiveness. They’re like car sales people. They try to get you in as a client by showing a lower price and then once you can’t get out of the treatment your price goes up!!

There payment online system is terrible! You will be overcharged and have extra fees. Avoid this program at all costs.

"Smile Generation Financial sends payment reminders after the due date has already passed, then charges late fees as a result. When I attempted to set up autopay to prevent this from happening again, I was blocked from doing so because of the outstanding late fee balance. This is a predatory cycle that makes late fees functionally unavoidable. I am requesting a full refund of all late fees and that this practice be reviewed and corrected."

Thank you Crossing Dental for making my mom's teeth lovely again. The staff is awesome, well-mannered and polite. High-Five to Nancy, Rosy and Dr. Shakil for giving us a wonderful dental experience.

This is the worst credit card company. They charged my $250 interest on a $6 remaining balance without informing me that my promotional period is ending. DO NOT get this card at any cost, this is how they make money by charging insane amounts of interest. I made so many payments way over the minimum balance every month and they refuse to waive the interest as a courtesy ALL OVER A $6 REMAINING BALANCE. Ridiculous and they should be reported for fraud.

I was very careful to make payment amounts in order to payoff before my promotion date. I had two promotion dates and they allocated my payment to the wrong one. I was unable to get them to correct their mistake and had to borrow money in order to pay it off before the promotion ran out. I was cut off 4 times in the process of trying to get it resolved. I had been with them for 11 years but I will never use them again.

This company is the same as having a payday loan. I should have been more careful and did my research better. I have paid over $1600 and nothing went to the principal. As soon I pay them off I will close my account and I will never use this company again!!!

My husband and I contacted this company several times thru a phone call, email, and written requests on our statements that we did not want paper statements. We were totally ignored and continued to get an added charge of $2.99 to our statements. We always sent our payment in ahead of the due date but yet here came the statement in the mail. We paid in full and received an email acknowledging they received the payoff on 2/5/2026. On 2/23/26 we get a paper statement in the mail stating we owe $2.99 for the statement. We should not have to pay for statements when we requested not to have them. We have continued to try and opt out of statements since 10/30/26 to 01/26/26. We also discussed this problem with Reno Modern Dentistry. They were of no help. AVOID this company. No Customer Service.

My dental office referred comenity smile generation financing for dental work it was the biggest mistake I ever made, the online easy pay system is always broke never accepted the information they're quick to charge late fees and other fees that was never mentioned in the beginning and the customer service is horrible incompetent untrained rude people that appear not to speak or understand English well big red flags stay away. I'll never use them again.

Well, I wish I had looked this credit company up first. You can not pay online with a card, you can pay with banking info only, or mail it in. IF you want to pay by card, there is a $9 processing fee. What a joke. Then come to find out by my hsa company Smile Generation comenity doesn't accept my hsa companies cards. Ifound this out via my hsa company telling me why it was denied.
Their customer representatives are miss informed about how their site accepts payments. I had to be transferred to a manager in order to attempt a card payment.

I went into the office for a 6 month dental cleaning. I was told I had to have an exam. The dentist (a new one every time) did a probing and started reading off very high numbers, this relates to having pockets. I take very good care of my teeth and have always had low numbers with out any pockets. After the exam she did a three minute cleaning. When she was done she told me I needed three crowns and a deep cleaning. I went to a different dentist and was told that I didn't need to have any crowns, and I didn't need a deep cleaning. That's $6,000 of dental work that I didn't need. This makes me question the $3,000 I spent 6 months ago on dental work at this office. Besides having scheduling problems like showing up for my appointment and not being on their schedule, they also do a high preasure bit by giving 50% off for work done the same day they diagnosis. This is 50% off of work that's not needed to begin with. Such dishonest behavior and a rip off of our money.

Predatory lender — avoid at all costs. This loan includes a balloon payment at the end that exceeds the remaining balance, pushing borrowers deeper into debt. The lender will not negotiate interest rates and only offers a five-year payoff option that requires the account to be placed into delinquency, which negatively impacts your credit report. This structure is exploitative and financially dangerous.

I went in due to a cracked tooth which I learned was my wisdom tooth. Dr.Syed and the team Hmaileck and Juliana were kind and informative the entire process showing me exactly what was wrong and how to resolve it. We are scheduling out an appointment for the removal but utilized the time for a deep clean. I would highly recommend for anyone in the Dr.Phillips area.

They charged me 700 dollars of interest... dont do it.. if you dont pay it off before the promotional you are screwed! 39 %APR... WTF.

If your dentist office uses this credit card company, run!!! They are more than likely signing you up for a "promotional offer" where the balance is supposed to be paid by a certain time (which no one tells you about) and as you are close to having it paid in full, Smile Generation adds a unusually high rate of interest because you didn't pay off the balance by that said time. Essentially your paying a very high amount twice!

Account was setup for auto pay but I received a 74 point hit to my credit score because they reported it wasn't paid. When I called their customer service was awful and the lied that they would report it fixed. I had to file dispute with bureaus to resolve. Awful company!

I rarely write negative reviews — I depend on them myself — but this company absolutely earned it. Every person I dealt with sounded miserable, like they hated their job, their customers, and the very idea of helping anyone. The service was apathetic at best and hostile at worst.

I’d honestly prefer to deal with the mafia — at least they’re straightforward about what kind of experience you’re signing up for.

Do yourself a favor: go anywhere else!

Always trying to upsell. Constantly being told I need new crowns for perfectly intact teeth. Then they push their predatory 0% interest payment plan. Heads up, if you don't pay it off in full in 18 months, they tack on 18 months of interest to your outstanding balance. No ifs, ands, or buts. They should be ashamed of themselves.

I think the dental care is good but the way they make up the charges even when I'm on a dental plan is outrageous. My Delta Dental plan has fixed prices for procedures and they go over those by hundreds of dollars. Tooth crown 600+ over the plan so I didn't have it done. They came down 300 but still 300 over..