What you can finance
Orthodontic insurance benefits often have a lifetime maximum around $1,500 to $2,000. Commonly financed treatments include:
| Service | Typical cost | Fits Denefits range? |
|---|---|---|
| Metal braces | $3,000 – $7,000 | Yes, with down payment above $5K |
| Invisalign / clear aligners | $3,500 – $8,000 | Yes, with down payment above $5K |
| Ceramic braces | $4,000 – $8,000 | With down payment |
| Retainers | $200 – $600 | Yes |
| Phase 1 (early) treatment | $2,000 – $4,000 | Yes |
Typical U.S. price ranges; your provider’s quote may differ. Plans cover $200 to $5,000; a down payment can cover any amount above that.
How orthodontic financing with Denefits works
- Get your quote from your provider and decide how much to finance.
- Apply online in about 3 minutes with no credit check.
- Get a decision in minutes; 95% of applicants are approved.
- Start your service once your plan is active, often the same day.
- Pay monthly by automatic ACH, with no prepayment penalty.
Example monthly payments
Estimates exclude the 3.00% per-payment transaction fee. Run your own numbers with the loan calculator.
| Example | No-Fee (0%) | EZ Deferred | Standard (19.90%) |
|---|---|---|---|
| Retainers + refinement · $1,200 · 12 mo | $100/mo | $100 → $107/mo | $111/mo |
| Invisalign balance · $4,000 · 24 mo | $167/mo | $167 → $195/mo | $203/mo |
| Braces balance · $5,000 · 36 mo | $139/mo | $139 → $176/mo | $186/mo |
Why choose Denefits for orthodontic financing
Matches treatment length
Terms up to 36 months line up with typical treatment timelines.
Custom In-House plans
Your orthodontist can set the down payment and schedule.
Works for teens and adults
Parents and adult patients apply the same simple way.
Tips before you finance
- Use orthodontic insurance first, then finance the remainder.
- Ask whether retainers and refinements are included in the quote.
- A larger down payment shortens the plan or lowers monthly payments.
- HSA or FSA funds can often cover part of orthodontic costs.
Compare your options: see Denefits vs CareCredit, Denefits vs Cherry, and every rate and fee.
Jonathan has 14+ years in consumer finance, including seven years structuring healthcare payment solutions. He holds the CERTIFIED FINANCIAL PLANNER™ certification and reviews every rate, term, and disclosure we publish.