Metal Mouth Message Board

So a thought occurred to me today. I plan on financing my braces, as I don't have any insurance and I'm wondering how big a part your credit report will play. I have about zero credit( I say 'about' because I just financed my first car and dont have a payment due till april.. had to put $3500 down to get financing). I have been employed at the same place for over 6 months, and am in a very good financial situation right now. It seems always saving and paying cash might come back and bite me in the arse..

jaswi at my ortho office, they didnt run a credit report. It was mainly a down payment and then monthly payment. I had to sign a contract, and if I am behind a payment I cant have treatment until the payment is caught up ( I think thats what I read) I do the auto payment ( automatically out of my account each month) so I dont even have to worry about it.

My "financing" was the same as KJM's. My ortho required $1100 down and monthly payments of around $100. No credit check was involved, but I signed a contract.

I suppose most orthos figure you're not going to default since you're wearing what's been financed and it needs to be maintained every 4 or 6 weeks

sydsmom wrote:I suppose most orthos figure you're not going to default since you're wearing what's been financed and it needs to be maintained every 4 or 6 weeks

True! True! Plus who wants to keep these things on longer than you have to??

My ortho is the same too. $1200 needed to be paid within 3 months and now I'm paying $150 monthly. No credit check here either.

I didn't have a credit check either. No contract as well. Just a montly payment and a down payment of 1340$.

I don't think they ran a credit check. You definitely want to finance through the ortho if he/she gives you interest free. I belive most of them do. I pay with a credit card that gives me 2% back!

I had no credit check, and I put $500 down, and $125 a month. I pay with a card that gives me 1% back. jc, if you don't mind me asking, what card gives you back 2%? I really do not like my measly 1% anymore!

I had the same experience as all the above...

The paperwork I had to submit suggested there'd be a credit check but when I've since reviewed my FICO score there were no reported inquiries.

In fact, I was fully braced before I'd paid a single dollar to the office. They may be atypical in their trustworthiness of their patients, however.

me two 850 down and 150 for 20 months only 16 more

wow i'm so jealous of everyone!!

i DID have a credit check run and i DIDN'T get financing because of it. i was so mad because i have really good credit and i'm proud of that. but, i am a grad student and make less than $15K/year. My ortho's office uses some financing institution outside the office and they wouldn't approve me on that salary. I had to have my entire bill reconciled before I began treatment (ie it all had to be financed or paid or a combination of both.) I put a significant amount of the money down and was only using the financing option for convenience, so it didnt end up being a big deal. but i was lucky i brought my credit card because that is how i had to pay that day. it was a big surprise to me so i'd suggest checking into it first, or taking a credit card or something. hope everything works out!

I'm slightly confused by the responses to 'financing.' My ortho has 3 payment types: pay in full w/ discount, give initial lump payment then monthly payments, or setup a loan with CapitalOne and get financing through them.
I'm doing the Intial payment + monthly payments, which doesn't require a credit check.

This is the link to Capital One & you can look up an ortho (or other dental specialists) to see who offers this payment option:
http://www.capitalonehealthcarefinance. ... 213B976ED4

No credit check for me either, $900 down 20 payments of $185. And I have only 1 payment left!

I had to pay $300 down, and now $300 a month for the length of treatment until retainers go on.

no credit check 1500 down and monthly payments over 15 months. i didn't even have to sign anything.