financing for braces

Using a Finance Plan to Pay for Orthodontic Braces

The cost of braces

When it comes to financing dental braces, you have the option of using personal loans, credit cards, or in-house payments programs offered by local orthodontists.

Before applying, weigh the advantages and disadvantages of each option. Treatment costs might be spread out over time using financing.

It’s simpler to budget for high-ticket procedures like Invisalign, ceramic, and lingual braces when they’re broken down into smaller, bite-sized bits.

Patients and families with a poor credit history will have a more challenging time getting approved. They may still boost their chances by cutting treatment expenses and cooperating with lenders who don’t pull a copy of your standard credit record and score.

Financing Options for Orthodontic Braces

Whether you have insurance or not, the three main financing options can help you pay for orthodontic braces. Most dental insurance policies (assuming you have one) leave you with a significant amount of unreimbursed costs.

Furthermore, most orthodontist-recommended treatment plans have upfront payments, even though they provide care for at least eighteen months. As a result, money must be borrowed.

Loans for Individuals

financing for braces by applying for loan


To assist you in paying for your orthodontic treatment, apply for a personal loan. Fixed payments are available with this financing option, which means you’ll be able to pay off the total in three to five years.

  • When filling out the online personal loan request form, be prepared.
  • Submit your credentials to a third-party service.
  • The firm distributes the information to a large number of lenders.
  • Increased volume increases the chance of loan acceptance.
  • Demonstrate a suitable level of income and produce proof of work.
  • Provide the account and routing numbers for your bank.
  • It confirms your identification and protects you from fraud.
  • Allows money to be transferred swiftly between lenders.
  • Ensures that monthly payments are made on time.

Using a Credit Card

using a credit card to pay for orthodontic treatment

Credit cards are another option for paying for costly orthodontic treatment. This type of financing allows for variable payment amounts, which implies that if you revolve the account, the debt might grow due to interest costs (pay less than the total amount owed each period).

There are two primary alternatives available to patients.

Most orthodontists gladly take general-purpose credit cards, which are good as long as you have enough “open-to-buy” credit (the difference between the account limit and the balance).

Some orthodontists provide medical credit cards, like Care Credit, to approved customers, which occasionally include zero-interest promotional offers. Check the fine print to learn what happens if you owe money after the trial period has ended.


Paying for expensive dental braces with in-house payment plans is a third option. However, your local orthodontist is unlikely to offer to finance because, in most circumstances, they do not lend money.

Instead, you will be prepaying for services after making a substantial down payment.

Orthodontists often treat patients for three years and bill appropriately. They put forth a lot of effort upfront to diagnose and install the equipment, and then they follow up with each patient regularly.

  • Adjust the tension
  • Make small repairs
  • Remove the appliances
  • Fit and construct retainers

Also Read: Plastic surgery with financing: Worth it for a lift?

Bad Credit Orthodontic Financing

Financing pricey orthodontic braces will be difficult if you have a poor credit history or low credit ratings. Finance businesses are wary of approving patients and parents who have a consumer report with several negative remarks.

Applicants with poor credit can improve their chances of acceptance by reducing the amount of money they must borrow or charge to a credit card.

Before applying, consider these three cost-cutting choices.

  • Select the most cost-effective treatment option.
  • In many places, Medicaid provides braces for youngsters.
  • Low-income families can benefit from financial aid programs.
  • There is no credit check.

Orthodontic braces can be financed without a credit check. Patients with a bad credit history should look for lenders who evaluate their income and not pull a copy of their credit record from one of the three main bureaus.

No credit check companies serve people who cannot obtain credit from regular banks and lending firms. They use a distinct business model.

As a result, be prepared to face these compromises.

  • Pay higher origination costs
  • Pay higher interest rates
  • Pull financial data from a different report source
  • During the underwriting process, provide further information about yourself.
  • Affirmation of income
  • Affirmation of employment
  • The account and routing numbers of your bank.

Developing Credit

Paying for dental braces with one of these financing methods may occasionally help patients create credit, which can be beneficial for people who have a bad credit history – or those who are just starting.

Two elements decide whether your expertise will help you improve your credit score.

Is the entity required to report to the bureaus?

Because orthodontists with in-house prepayment schemes are not lending money, they do not report to all three primary repositories.

Will you be able to pay back the debt on time? All ratings benefit from a track record of on-time conduct reported to the bureaus.

Meanwhile, think about what would happen if you didn’t pay for your braces. If you utilize a loan provider, the negative mark will appear on your consumer record, lowering your credit score.

Alternatively, if you joined in their prepayment plan, your friendly local orthodontist may decline further treatment, leaving you with a mouthful of metal for the rest of your life.

Plans Created in-House

With one of our payment plans, you may get braces for your entire family at an affordable price. Many treatments we provide may be paid for over 24 months with no interest and no money down.

It is not essential to do a credit check. If patients require therapy that lasts longer than 24 months, we can provide low-interest financing for up to five years.

You have the option of paying a portion of the cost of orthodontic treatment. The expense upfront and then spreads it out into monthly installments or pays it in total upfront.

All payment alternatives we provide are designed to make the process as uncomplicated and straightforward as possible for patients. We now offer a 12-month, zero-down, zero-interest in-house financing option for Invisalign patients.

Dental Coverage

We understand how vital it is for you to access affordable and thorough orthodontic care. As a result, Braces Braces works with most major Preferred Provider Organizations (PPOs).

To determine if your plan is covered, look at the list below. If your orthodontic insurance information isn’t mentioned here, please give us a call, and we’ll talk about your choices.

Our experts can walk you through your dental insurance choices as well as the many orthodontic financing options, discounts, and offers available to make your treatment as reasonable as possible.

The amount covered by insurance plans varies by provider, and coverage might also differ depending on whether the patient is an adult or an adolescent. We understand that insurance may be perplexing, and our team is well-equipped to guide you through the complexities of these plans.