OrthoFi interest rates and fees
OrthoFi does not publish one APR. AcceptCare lenders can offer 0% APR for 6 to 24 months if you qualify, and practice-funded in-office plans can charge up to 18% APR over 6 to 72 months.
- Lender terms run up to 60 months
- Comparing offers uses a soft credit check
- Ask whether 0% is true 0% or deferred interest
- Your APR is shown before you sign
OrthoFi does not publish a rate card for patients. This page separates what OrthoFi and its AcceptCare product actually disclose from what depends on your practice and lender, so you know exactly which questions to ask before you sign.
Why OrthoFi does not publish a standard APR
OrthoFi offers two financing paths: in-house plans administered by your orthodontist, and third-party loans through the AcceptCare multi-lender marketplace. In both cases, the rate you see depends on variables that OrthoFi cannot standardize:
- The practice's own policies and risk tolerance
- The length of the treatment and payment term
- Your credit score and credit history (for third-party offers)
- The down payment you choose through the Open Choice slider
- Any promotional rates the practice is running at the time
This makes comparison shopping difficult. The APR you are quoted is specific to your situation and not published anywhere ahead of your consultation.
What OrthoFi and AcceptCare disclose about rates
OrthoFi does not publish APR tiers by credit score. What it does publish, on OrthoFi's AcceptCare page and the AcceptCare solutions page, is the structure of each financing path:
| Financing path | Rate (as disclosed) | Term | Credit check |
|---|---|---|---|
| AcceptCare third-party lenders: promotional offers | 0% APR | 6–24 months | Soft check to see offers; no score impact |
| AcceptCare third-party lenders: standard offers | Set by each lender; not published | Up to 60 months | Soft check to compare; the lender you choose may run a hard inquiry |
| In-office extended payment plan (practice-funded) | Set by your practice; practices can charge up to 18% | 6–72 months | Reviews credit and checking-account history |
| Simple in-house plan over treatment | Set by your practice | Usually the length of treatment | Varies by practice |
Source: OrthoFi and AcceptCare product pages, checked November 3, 2026. AcceptCare says one application reaches multiple lenders (OrthoFi cites five to six), and that in-office financing fills in when lenders decline. Your actual APR is disclosed on your offer or contract before you sign.
The one number that matters most
If your orthodontist offers an in-office extended plan, ask what APR they set. Practices can charge up to 18% on these plans, which is close to some credit card rates. A 0% promotional offer from an AcceptCare lender, if you qualify, will usually be cheaper for the same term.
OrthoFi fees you may encounter
Fees on your service contract
- Interest — built into the APR on any plan that is not 0%
- Origination or account fees — possible on third-party loans; each lender discloses them on the offer before you accept
- Card processing fees — some practices add a fee for paying by credit card; bank (ACH) autopay usually avoids it
Fees for things that go wrong
- Late fees — can apply when a payment fails or is overdue; the amount is set in your contract. Practices can sometimes waive them if you call promptly
- Returned payment fees — possible when an autopay draft fails for insufficient funds
- Collections — accounts that stay past due can be sent to collections, which may add costs and affect your credit
Ask for a full cost disclosure before signing
Before you sign the OrthoFi service contract, ask your orthodontist's financial coordinator to print or email you the full plan details: total treatment cost, down payment, monthly amount, number of payments, total interest, total amount paid, and any fees. This is standard financial disclosure and any legitimate practice will provide it. If a coordinator pushes back on providing it, that is a signal to slow down.
Comparing total cost: OrthoFi vs alternatives
APR alone does not capture total cost. Here is what $5,200 financed (a $6,500 treatment with $1,300 down) costs under different rates. Rates marked “example” are illustrations, not quotes.
| Option | APR | Term | Monthly | Total interest |
|---|---|---|---|---|
| AcceptCare lender 0% promotional offer (if approved) | 0% | 24 mo | $217 | $0 |
| In-office plan, example rate | 9% | 36 mo | $165 | $753 |
| Personal loan, example rate | 12% | 36 mo | $173 | $1,018 |
| In-office plan at the 18% maximum | 18% | 36 mo | $188 | $1,568 |
| CareCredit 36-month reduced-APR plan | 18.90% | 36 mo | $190 | $1,653 |
| CareCredit standard APR | 32.99% | 36 mo | $229 | $3,057 |
CareCredit rates reflect its published 2026 terms (standard purchase APR 32.99%; reduced-APR plan of 18.90% for 36 months on qualifying purchases). Run your own numbers in our payment calculator.
What $5,200 really costs
Total repaid on a $6,500 treatment with $1,300 down
Hidden costs to watch for
“No interest” vs true 0% APR
AcceptCare advertises 0% APR offers from its lenders. That is different from a deferred-interest promotion (the “no interest if paid in full” model CareCredit uses), where missing the payoff date triggers interest back to day one. Before you accept any 0% offer, ask: “Is this true 0% APR, or deferred interest?”
Autopay terms
Ask whether your quoted plan assumes autopay, and what changes if you switch to paying manually. The answer is in your contract, not on OrthoFi's website.
Early payoff
Ask how early payoff is handled and whether any interest or fees are still due if you pay the balance down ahead of schedule. Get the payoff amount in writing.
How to lower your OrthoFi total cost
- Increase your down payment. The slider makes this visible instantly — every extra $500 down saves you principal and interest
- Shorten the term. A 24-month plan at the same APR costs significantly less interest than a 36-month plan
- Ask about 0% offers. AcceptCare lists 0% APR lender offers for 6–24 months for patients who qualify
- Compare third-party offers. Even if you use OrthoFi, check what Cherry or an unsecured personal loan would cost; sometimes external financing is cheaper
- Confirm your insurance orthodontic benefit. Orthodontic coverage is usually a fixed lifetime maximum, and many plans limit it to dependents. OrthoFi handles insurance claims, but verify your benefit directly with your carrier
Frequently asked questions
What is the OrthoFi APR?
OrthoFi does not publish a single APR. Its AcceptCare product lists 0% APR offers from third-party lenders for 6 to 24 months for patients who qualify, with lender terms up to 60 months. Practice-funded in-office plans run 6 to 72 months at an APR the practice sets, up to 18%. Your rate appears on your offer or contract before you sign.
Does OrthoFi charge an origination fee?
It depends on the path. A third-party lender in the AcceptCare network may charge an origination fee, which must be shown on the offer before you accept. For in-office plans, ask your practice for the full fee schedule in writing.
Can I get 0% interest on OrthoFi?
Possibly. AcceptCare advertises 0% APR offers from its lender network for 6 to 24 months. Approval depends on the lender and your credit. Ask your orthodontist's financial coordinator whether a 0% offer is available to you and confirm it is true 0% APR rather than deferred interest.
Does OrthoFi charge late fees?
Late fees can apply when a payment fails or is overdue, and the amount is set in your contract. If a fee was triggered by a failed autopay, call your orthodontist's office promptly; practices can sometimes waive it.