How to Finance for Braces


To pay for braces, many families may need to turn to credit cards. In some situations, braces can cost several thousand dollars, making them an expensive, if necessary, expenditure. If credit card financing is not an option, other alternatives are available.

  • Determine the total cost of the braces from the orthodontist.

  • Find out if the dental coverage in your insurance plan applies to braces. Some dental plans cover only a portion of the cost of braces. Contact your insurance provider to find out about braces coverage. Any costs not covered by the plan are what you need to finance.

  • Some dental companies have in-house financing companies that will set up a payment plan for the cost of braces. If not, third-party financing companies that will pay for braces are available to those who have good credit.

  • Apply for braces financing through the financing company. As with a credit application, you may need to provide income and credit information. Some companies will readily provide the financing if the borrower shows he has the means to repay the debt. Others are more stringent about who may qualify for a loan.

  • The financing company will inform you whether the financing has been approved. If it is, schedule an appointment with the orthodontist.

Tips & Warnings

  • To save money, compare several braces-financing companies before selecting one for a loan, since some lenders offer lower interest rates and easier qualification.
  • Don't have the braces put on before learning if you qualify for financing.

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