Financing & Payment Options
Flexible, interest-free plans that make orthodontic care work for every budget
A Great Smile Should Be Within Reach
We believe cost should never be the reason someone goes without the orthodontic care they need. That is why we offer simple, transparent, interest-free payment plans—no credit checks, no hidden fees, no surprises.
Use the calculator below to estimate your monthly payment, then schedule a free consultation where our financial coordinator will walk you through every option in detail.
Monthly Payment Estimator
0% interest — always
How Our Payment Plans Work
The estimator gives you a ballpark figure. At your free consultation, we will give you exact numbers based on your specific treatment plan and insurance benefits.
1
We verify your insurance
We contact your carrier before your visit to find out your exact lifetime maximum and coverage percentage.
2
We subtract every dollar of coverage
Your insurance benefit comes off the top. Your payment plan is built on your true out-of-pocket cost—nothing more.
3
You choose your term
Pick a payment timeline that works for your family. We offer 12 to 36-month plans at 0% interest.
4
Payments run automatically
Monthly payments are processed on the same day each month. Simple, predictable, and worry-free.
FSA & HSA Funds Accepted
Orthodontic treatment is a qualified medical expense. Using pre-tax FSA or HSA dollars reduces your effective cost by 20–30% depending on your tax bracket.
Why Families Choose Our Plans
In-house financing designed around your life, not a lender's terms
0% Interest — Always
Every payment plan we offer is completely interest-free. You pay exactly what treatment costs—nothing more.
No Credit Check Required
We believe everyone deserves a great smile. Our in-house plans require no credit check and no approval process.
Flexible Start Dates
Your payment plan starts when treatment starts. There are no upfront fees beyond your initial down payment.
Low Down Payments
Most plans require just a small down payment at the start of treatment. We work with you on the amount.
Third-Party Financing Options
If you prefer to work with a lender, we partner with several healthcare financing providers that offer competitive terms
CareCredit
Healthcare-specific financing with promotional 0% APR periods up to 24 months. Apply in minutes with an instant decision.
Rate
0% promotional APR
Terms
6–60 months
Lending Club
Personal loans for healthcare with competitive fixed rates. Good for larger treatment costs or longer repayment timelines.
Rate
From 6.99% APR
Terms
24–84 months
Proceed Finance
Specialized orthodontic financing with no prepayment penalties. Often available to patients with less-than-perfect credit.
Rate
Rates vary by credit
Terms
12–84 months
Third-party financing subject to credit approval. Terms and rates vary by applicant. Ask our financial coordinator which option may be best for your situation.
Ways to Pay
We accept all major payment methods for your convenience
Visa & Mastercard
American Express
Discover
Cash & Check
FSA / HSA Cards
ACH Bank Transfer
Payment Questions Answered
Everything you need to know about financing your treatment
Is there really no interest?
Yes. Our in-house payment plans are 100% interest-free. You only pay the actual cost of your treatment, divided into equal monthly payments. No catches, no fine print.
What if I have insurance?
We apply your insurance benefit directly to your total cost before setting up your payment plan. Your monthly payments are based on your net out-of-pocket amount after insurance.
Can I pay off my balance early?
Absolutely. There are no prepayment penalties. If you want to pay off your balance at any time, you can do so with no additional fees.
What happens if I miss a payment?
We understand that life happens. If you anticipate difficulty with a payment, contact us before the due date. We can often adjust your schedule to help you stay on track.
Do you accept FSA or HSA funds?
Yes. Orthodontic treatment qualifies as a medical expense. You can use your FSA or HSA card to pay for treatment or monthly payments. These tax-advantaged funds can significantly reduce your actual cost.
What is the minimum down payment?
Down payment requirements vary depending on your treatment type and total cost. Our financial coordinator will review all options with you at your consultation.
Talk to Our Financial Coordinator
Every family is different. Our financial coordinator will build a custom plan around your insurance benefits, budget, and treatment timeline—at no cost and with no pressure.
Affordable Care Starts with a Conversation
Your free consultation includes a full financial review—no obligation, no pressure