See what you qualify for with a soft credit check
If your orthodontist does not offer OrthoFi, or you want to compare before you commit, our pre-qualification check pulls offers from a network of lenders that cover medical and orthodontic treatment costs.
Not OrthoFi: OrthoFi App is not OrthoFi, Inc. We are an independent review and comparison site. OrthoFi financing is only available through participating orthodontic practices. The lenders in our pre-qualification check are personal loan providers that can be used for medical, dental, and orthodontic expenses as well as other personal purposes.
What personal loans can cover
A personal loan is one of the simplest ways to pay for orthodontic treatment when your practice does not offer OrthoFi or when you want to pay the full treatment amount up front rather than running a payment plan through the office.
- Full braces or Invisalign treatment (most U.S. cases cost $3,000–$8,500)
- Down payment on an OrthoFi or CareCredit plan
- Retainers, follow-up visits, and related expenses
- Dental work paired with orthodontic treatment
What to expect from the pre-qualification
You will enter basic information: name, address, income, and the identity details lenders need to run a soft credit inquiry. The form takes a few minutes. If you match with lenders, you will see pre-qualified offers with the APR, loan amount, and monthly payment for each one. Choose the option that fits and move to the lender's full application.
Before you apply
If your orthodontist already uses OrthoFi, start with them. OrthoFi's Open Choice slider and the AcceptCare multi-lender marketplace may give you a competitive quote without a separate application. Read our how OrthoFi works guide first. Use this pre-qualification check as a comparison point or if OrthoFi is not available to you.
Who this form is for
This pre-qualification check is useful if your orthodontist does not offer OrthoFi, if you want to compare a personal loan against the plan your practice offered, or if you would rather pay the practice in full and owe a single lender. If your orthodontist already uses OrthoFi, see what its AcceptCare lenders and in-office plan offer first, then use this check as a comparison.
How it differs from OrthoFi financing
| This pre-qualification | OrthoFi / AcceptCare | |
|---|---|---|
| Where you apply | Online, on your own | Only through a participating orthodontist |
| Type of credit | Personal loan paid to you | Lender offers or a practice-funded plan |
| Credit check to see offers | Soft inquiry | Soft inquiry |
| Use of funds | Any treatment, any provider | Your treatment at that practice |
After you see offers: a quick checklist
- Compare the APR, not just the monthly payment
- Check for an origination fee and whether it is taken out of the loan amount
- Confirm there is no prepayment penalty
- Match the term to your treatment so you are not paying long after treatment ends
- Ask your orthodontist about a pay-in-full discount, since a lump-sum loan may qualify you for one
Pre-qualification is not available to residents of New York, Vermont, West Virginia, or Arkansas. Offers, rates, and approval are set by each lender.
Frequently asked questions
Does checking my options hurt my credit score?
No. Pre-qualification uses a soft credit inquiry, which does not affect your score. A lender runs a hard inquiry only if you choose an offer and complete its full application.
Is this the same as applying for OrthoFi?
No. OrthoFi financing is only available through participating orthodontists. This form matches you with personal loan lenders you can use at any practice.
How quickly can I get funds?
It depends on the lender. Many online lenders fund within a few business days after you accept an offer and finish verification.
Which states can use this form?
Pre-qualification is available in most U.S. states, but not to residents of New York, Vermont, West Virginia, or Arkansas.