Monthly Payment Plans For Braces: Orthodontic Financing

Monthly payment plans can make the cost of orthodontic braces fit seamlessly into the monthly budget for patients without dental insurance.

Orthodontic financing options include personal loans, credit cards, Flexible Spending Accounts (FSA), and incremental billing by providers.

Patients with bad credit or no history can use their FSA and incremental billing to get treatment started without a down payment. Both feature guaranteed approval with no credit check.

Spreading costs out over time can help parents who lack sufficient savings to get treatment started for their teenage children. The same holds for adults wanting a more confident smile.

Payment Plans For Braces Without Insurance

Financing programs drive most monthly payment plans for braces. Patients without dental insurance covering orthodontia find these programs make treatment more affordable by spreading costs over time.

Choose between loans, credit cards, and Flexible Spending Accounts.

Loans For Braces

Personal loans are a popular financing option enabling monthly payment plans for braces for patients without dental insurance. If approved, a third-party lender provides the money to the patient to begin treatment.

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A personal loan can help you pay for your orthodontic treatment. This financing option features fixed installments, meaning you will fully retire the balance according to an established schedule. Be prepared when completing the online form.

  • Submit your credentials to an intermediary company
    • The company markets the information to a broad lender network
    • Volume helps to improve the likelihood of loan approval
  • Show sufficient income and provide employment verification
  • Provide bank routing and account numbers
    • Verifies your identity and limits fraud
    • Allows lenders to transfer money quickly
    • Ensures prompt monthly payment

No Credit Check

A Flexible Spending Account (FSA) is a financing alternative with no credit check. Patients without dental insurance can self-create payment plans that reduce their costs by up to 38.95%.

No credit check dental financing via your FSA at work has significant advantages for all patients. Also, those with adverse history on their report and those yet to establish a record find it easy to qualify.

Bad Credit

An FSA makes it easy to afford braces with lousy credit by lowering your tax bill while enabling a payment plan simultaneously. Patients with adverse history can qualify for financing without a lender pulling their consumer report.

Dental financing with bad credit through an FSA is possible because employers must accept all employees willing to participate and reimburse qualifying expenses immediately. Meanwhile, an FSA saves money in two ways.

  1. Employers cannot charge interest or origination fees
  2. FSA reduces the income subject to three possible levies
    1. Federal income taxes
    1. State income taxes
    1. FICA payroll taxes

No History

An FSA also appeals to young adult patients seeking payment plans for braces with no credit check. Many people in their early twenties have not established consumer reports with Experian, Equifax, or TransUnion.

First-time loans with no credit history are hard to get when the lender has no consumer report to check. You must demonstrate sufficient income to overcome a significant underwriting disadvantage and be able to verify employment.

Therefore, an FSA is the ideal orthodontic financing alternative for people with no credit history for this reason alone.


For example, consider how an FSA-enabled payment plan for Invisalign with no credit check might work. Invisalign is a series of removable, see-through aligners that orthodontists often recommend.

The typical cost of Invisalign treatment for adults ranges up to $9,000, taking 36 months to complete. Therefore, the retail charges might be about $3,000 each year.

Contribute the FSA maximum of $3,050 during the annual open enrollment. If offered, your employer must allow all employees to participate without a credit check and reimburse qualifying expenses immediately, giving you up to twelve months to repay the money with pre-tax dollars.

A hypothetical married couple with a combined Adjusted Gross Income (AGI) of $100,000 who work in California might cut their Invisalign costs by 38.95% or $3,505!

  • Federal: 22%
  • State: 9.3%
  • FICA: 7.65%

Credit Cards

Credit cards also enable monthly payment plans for braces for patients without dental insurance. This financing option sends the money directly to the orthodontist so that treatment can begin immediately.

Credit cards are revolving contracts with flexible repayment terms, which means that balances could swell via interest charges if you revolve the account (pay less than the total amount owed each period).

Patients have two primary options.

  1. Many orthodontists offer medical credit cards such as Care Credit, sometimes featuring zero-interest promotional offers to qualified patients. Read the fine print about what happens if you still owe a balance at the end of the introductory period.
  2. Most orthodontists happily accept general-purpose credit cards, which work perfectly fine, provided you have sufficient “open-to-buy” (the difference between the account limit and the balance).

Local Orthodontists Accepting Payment Plans

Think before searching for orthodontists near your home who accept payment plans. Would you stop by your local bank branch and ask if they can install, adjust, or remove dental braces?

Of course, that would be silly. The bank would refer you elsewhere unless they have a clever workaround solution.

Near Mailbox

You will not find an orthodontist accepting payment plans near you closer than your mailbox. Several direct-to-consumer companies include guaranteed no-credit-check “financing” bundled in their service offerings.

Byte and Smile Direct offer 3D-printed clear tooth aligner trays at a more affordable price by cutting out the expensive middleman – your local orthodontist who has to pay rent, utilities, staff, and student loans.

Smile DirectByte
Down Payment$250$249
Monthly Amount$89$70
Finance Charges$514$771
Interest Rate17%25%

These companies might mail you twelve to eighteen aligner trays throughout your twenty-six or thirty-six-month treatment protocol. The trays will keep arriving, provided you are current on your payment plan.

Ask yourself this question. Are Smile Direct and Byte offering orthodontic financing in-house or simply billing patients incrementally as they provide services?

One thing is clear. These companies prefer your money upfront!

No Down Payment

Orthodontists advertising low monthly costs and no down payment for braces might be marketing a hybrid program with two components: third-party financing and in-house phased billing.


A third-party finance program probably allows orthodontists to offer no down payment for braces. Providers perform much of their work during early treatment phases, and the outside upfront money evens out cash flows.

  • Medical and dental evaluations
  • Bite impression study models
  • Panoramic X-rays
  • Computer-generated images
  • Before photographs
  • Appliance installation

In other words, these orthodontists are probably not starting treatment without a down payment because the finance company gives them money upfront. The patient pays the third party in installments over time.


Meanwhile, these providers might establish payment plans in-house without a third-party finance company. Most patients must visit their orthodontists every six to eight weeks for various services until treatment concludes after two to three years.

  • Make tension adjustments
  • Perform minor repair
  • Remove the appliances
  • Fit and fabricate retainers

These payment plans for the remaining charges are closer to incremental billing than financing, as the office sends invoices as they provide products and services to the patient.