Braces Financing

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Funding up to $100,000 and APRs as low as 4.99%1
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Loan For Braces
Our smile is something we want to be proud of, but crooked teeth may make you insecure. If the cost of braces is holding you back, you should consider a braces payment plan or loans for braces. Getting braces on finance is easier than you think.
Quick. Simple. Secure.
How To Apply For Braces Financing
1 Pre-qualify
Fill out easy online form to check for pre-qualified offers with no impact to your credit score
2 Select offer
Compare terms and payment options to select offer that’s best for you
3 Finish application
Complete application process on your selected lender’s website
4 Receive funding
After loan approval, your funds should arrive within 1-2 business days2
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Learn More About Braces Financing
Keep reading to learn more about financing braces.
Read more - FAQ
Can You Finance Braces?
A personal loan from your local bank or credit union is an often overlooked option for paying for dental work such as braces. Lastly, there are an increasing number of online lenders who are offering personal dental loans to consumers who need quick access to cash that is hassle-free.
Taking out a loan can be a very effective way to finance braces, especially with the cost of such work reaching into the thousands of dollars. Dental loans are typically structured as unsecured installment loans that allow consumers to pay back their loan balance over time during a set repayment period with a fixed monthly payment.
Getting prequalified with a few different lenders before making the final determination of where to obtain your loan can save you a great deal of money over the lifetime of your loan. Therefore, it is always beneficial to compare interest rates, loan terms, fees, and other loan features from different lenders via a site like Acorn Finance before applying.
Lastly, as one final alternative to using in-house financing, credit cards or personal loans, CareCredit offers consumers another way to finance dental work like braces. CareCredit is a healthcare credit card that can be used to pay for all of your dental and medical expenses including braces.
No matter how you choose to finance your braces, a braces payment plan or personal loan can be a great way to help make your orthodontic work more affordable.
How Long Are Loans For Braces Usually?
In-house payment plans for braces typically consist of a down payment with the rest of the balance being repaid over a period of 12 to 24 months.
On the other hand, the average repayment period for a personal loan usually falls somewhere between 2 to 7 years depending on the loan terms offered by your lender.
It’s very important to pick a repayment period with a monthly payment that you can afford. The longer your loan period is, the longer it will take you to get out of debt. However, your monthly payment will be cheaper and more affordable in the meantime. With a shorter loan period, you will get out of debt much faster while saving money on interest, but your monthly payment will be much higher. If you can swing it, a shorter loan term is usually more beneficial.
What’s The Average Interest Rate Range For Braces Financing?
For example, if you choose to take out a personal loan to cover your braces, you can expect to pay an interest rate in line with the current average rate of 10.54% for borrowers with a credit score above 660. If your credit score is lower, you can expect to pay more in interest or consider using the services of a cosigner with better credit to help you qualify for a lower rate.
If you are using a credit card or healthcare line of credit like CareCredit, you may be able to qualify for a 0% introductory period that allows you to pay no interest as long as you pay off the balance within a certain amount of time. This promotional period can make a credit card a better option than using a personal loan. Just be sure to pay it off in time or your APR can become much higher than any other option – upwards of 25% and more!
Lastly, you will need to compare the interest rate offered by the lender or dental office to see who can give you the best deal. If your dentist offers financing but the interest rate is much higher than the average personal loan rate, you may want to avoid using in-house financing.
Why Is Acorn Finance The Best Place For Braces Payment Plans?
Applicants for personal loans can compare loan terms and monthly payments from top lenders like LightStream, Prosper, Upgrade, SoFi, and LendingPoint in just a few short minutes.
You can receive funds fast too – in as little as 1-2 business days, although funding times may vary.
These perks make Acorn Finance the best place to compare different braces payment plans.
How Much Are Braces?
The most expensive type of braces are lingual braces, followed by ceramic and Invisalign braces, with metal braces being slightly more affordable than the newer technologies.
You will also need to factor in the cost of repeated orthodontist visits to adjust or tighten your braces, make any necessary repairs, and remove your braces when it is time.
There are a few ways to save money on the cost of braces including utilizing the services of a dental school, using insurance, asking for a discount for paying in cash up front, and shopping around for a budget-friendly orthodontist. Dental insurance typically does not cover all of the cost of orthodontic treatment, so you can still expect to have to pay at least some of the cost of your braces out of pocket. This is when dental financing can help patients cover the gap.
Will I Need To Get Braces Again?
Turn that frown, upside down. . . check offers for braces financing today!
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