Smile GenerationReviews of smilegeneration.com

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.

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!