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How to get an orthodontic loan with bad credit

In a society concerned with physical appearance, orthodontic treatment remains one of the most popular cosmetic dentistry procedures. Every year millions of Americans get braces to straighten or improve their smile. Deciding to get orthodontic treatment impacts your finances in more ways than one. Financing options exist for people with bad credit.

Check with financial institutions for bad credit programs. Most don't advertise for these loans. Online loan providers such as Care Credit service loans for orthodontic treatment. They offer special financing, low monthly payment options, and no prepayment penalties. Apply online and get approved instantly before your card arrives.

Locate a dentist that includes payment plans as part of their financing options. Most times, dental centres ask for ten to 20 per cent down of the total amount. Subsequent payments occur on a monthly basis until treatment ends. Check with your prospective dentist to inquire about requirements and restrictions.

Ask a family or friend to cosign your loan. Ensure they fit the requirements for the lender such as high credit scores, stable job history and low monthly overhead. Convince them that payments will be made promptly every month on the due date.

Save money for your procedure. If all else fails, calculate the total amount due. Save a little each month or find a job to help pay for your braces. For example, sell some things online, get a part time gig or perform freelance work.

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About the Author

Based in Dallas, Kelly Taylor has been writing freelance articles since 2000. Her articles have appeared in "Town Talk" magazine, "Advocate" newspaper, and "Stash Magazine." She holds a Master of Arts in English from Louisiana State University.