About OrthoFi App

OrthoFi App is an independent consumer-education website focused on orthodontic patient financing. We are not OrthoFi, Inc. We publish reviews, comparisons, and guides to help U.S. patients make informed financing decisions.

What we do

OrthoFi App researches and reviews orthodontic patient financing products available to U.S. consumers. Our coverage focuses on OrthoFi, OrthoBanc, AcceptCare, and the main alternatives — CareCredit, Cherry, PatientFi, Sunbit, and unsecured personal loans.

We write for patients, not practices. Our reviews are oriented around what a parent or adult patient actually experiences when financing orthodontic treatment — how to apply, what APR to expect, how the payment plan is structured, and what to do when things go wrong.

Our editorial standards

These rules apply to every page on OrthoFi App:

• No fabricated reviews or testimonials. We never invent patient quotes or ratings. Our editorial scores are based on documented features, published data, and aggregated feedback from legitimate third-party sources.
• No fake expert personas. All content is published under the OrthoFi App Editorial Team collective byline rather than invented author profiles with stock photos and fabricated credentials.
• APR disclosure on every money page. We publish APR ranges with clear sourcing and disclose when ranges are illustrative versus confirmed by the provider.
• FTC 16 CFR Part 255 compliance. We disclose material affiliate relationships prominently and never let compensation influence editorial coverage.
• No deferred-interest confusion. When we discuss promotional 0% offers, we clearly label deferred-interest plans so readers understand the retroactive interest risk.
• Trademark references are editorial. We use OrthoFi, OrthoBanc, AcceptCare, CareCredit, Cherry, PatientFi, and related marks only to accurately describe the products. We claim no affiliation with any of these companies.

How we make money

OrthoFi App earns affiliate commissions when readers apply for financing through links to third-party lenders on this site, such as the Apply page. We do not have a direct affiliate relationship with OrthoFi, Inc. — OrthoFi is not a direct-to-consumer product and does not offer an affiliate program. The lenders we may receive compensation from are personal loan providers that patients can use to cover orthodontic treatment, among other purposes.

Affiliate relationships do not influence which products we cover or how we review them. Products with no affiliate path (OrthoFi, OrthoBanc, AcceptCare, CareCredit, Cherry, PatientFi) are covered the same way as products that generate revenue for us. Our full advertising disclosure details the specific commercial relationships.

Our review methodology

Each product review on OrthoFi App is built from these inputs:

• The company's own disclosures, published rate ranges, and public documentation
• Industry coverage (Orthotown, Orthodontic Products, Aegis Dental Network)
• Published rates and terms from CareCredit, Cherry, PatientFi, and Sunbit
• Patient feedback from Trustburn, Reddit, and Better Business Bureau complaints
• Direct comparison of total cost scenarios using our payment calculator at realistic APR assumptions

Each review is dated. Products are re-reviewed when the company announces material changes to pricing, features, or availability.

How we are structured

OrthoFi App is a single-topic consumer research publication. The site is maintained by a small team of personal finance writers researching orthodontic and healthcare financing products. We do not have a physical office that patients should visit, nor do we provide customer service for OrthoFi, OrthoBanc, AcceptCare, or any other product mentioned on this site. For account support with those products, contact the provider directly through the links in our individual reviews.

Corrections and feedback

If you find a factual error on any page, email us at [email protected] with the URL and the specific issue. We review correction requests and update the page and its “Updated” date.

What we do not do

• We do not accept payment for favorable reviews or placement
• We do not sell email addresses or lead data to third parties
• We do not provide customer service for OrthoFi, OrthoBanc, AcceptCare, CareCredit, Cherry, PatientFi, or any other financing product
• We do not offer loans, process payments, or hold funds
• We do not provide financial or legal advice to individual readers

Not available in these states

The pre-qualification form on our Apply page is not available to residents of New York, Vermont, West Virginia, or Arkansas. Our editorial content remains accessible from any U.S. state.

Frequently asked questions