OrthoFi Payment Calculator
Estimate your monthly orthodontic treatment payment under an OrthoFi, CareCredit, Cherry, or personal loan plan. Adjust the sliders to see how down payment, term length, and APR change what you owe each month.
How to use this calculator
Enter the total treatment cost your orthodontist quoted. Pick a down payment you can afford at the start of treatment. Choose a term in months, and set the APR to match the offer you are evaluating. The calculator shows the monthly payment, total interest you will pay, and the full amount you will have paid at the end.
What APR should you use?
OrthoFi does not publish standard rates, but it does publish the structure of its financing paths. Use these as your starting points:
- 0% — AcceptCare lists 0% APR lender offers for 6 to 24 months for patients who qualify
- Your practice's rate, up to 18% — practice-funded in-office plans run 6 to 72 months at an APR the practice sets, capped at 18%
- The lender's quoted APR — for any other third-party offer, enter the exact APR shown on the offer
- 32.99% — CareCredit's standard purchase APR, useful for seeing what a missed promotional payoff could cost
If you do not have a quote yet, run the numbers at 0%, 9%, and 18% to see the full range you might face.
Deferred-interest warning
CareCredit and some other medical lenders offer "no interest if paid in full within X months" promotions. These are not the same as 0% APR. If you do not pay off the full balance by the promotional end date, interest is charged retroactively on the entire original balance at the high standard rate — currently 32.99% on CareCredit. Our calculator assumes a simple fixed APR; for deferred-interest plans, read the agreement carefully before relying on the monthly estimate.
Example treatment costs
- Traditional metal braces: $3,000–$7,000
- Ceramic braces: $4,000–$8,500
- Clear aligners such as Invisalign: $3,000–$8,000
- Lingual braces: $8,000–$13,000
Typical 2026 U.S. ranges from published cost guides, including ConsumerAffairs. Your orthodontist's quote depends on case complexity, treatment length, location, and insurance.
Worked example
Say your orthodontist quotes $6,500 for braces. You put $1,300 down and finance $5,200 over 36 months at an example 9% APR. Your payment is about $165 a month, and you pay about $753 in interest over the life of the plan. Here is how two levers change that picture:
| Change | Monthly | Total interest |
|---|---|---|
| $0 down, 36 months | $207 | $941 |
| $1,300 down, 36 months | $165 | $753 |
| $2,000 down, 36 months | $143 | $652 |
| $1,300 down, 24 months | $238 | $501 |
| $1,300 down, 48 months | $129 | $1,011 |
The pattern holds at any rate: a bigger down payment lowers both the monthly payment and the interest, while a longer term lowers the monthly payment but raises total interest. That is the same trade-off the OrthoFi Open Choice slider shows you during your consultation.
What this calculator does not include
- Fees. Origination fees, card processing fees, or late fees are not built in; add them from your offer or contract
- Insurance timing. If insurance pays part of your treatment, subtract your estimated benefit from the treatment cost first
- Deferred interest. The math assumes a simple fixed APR, so it cannot model a “no interest if paid in full” promotion that goes wrong
- Tax-advantaged funds. Paying part of the bill with HSA or FSA money lowers the amount you finance
Frequently asked questions
Is this calculator accurate for OrthoFi plans?
It uses the standard amortization formula lenders use for fixed-rate installment plans, so it is accurate when you enter the real APR, term, and down payment from your offer. Fees and deferred-interest promotions are not included.
What APR does OrthoFi charge?
OrthoFi does not publish one rate. AcceptCare lists 0% APR lender offers for 6 to 24 months for qualifying patients, and practice-funded in-office plans can carry an APR of up to 18%.
Should I choose a longer term to lower my payment?
Only if you need the lower monthly amount. A longer term almost always means more total interest. In the worked example above, moving from 36 to 48 months saves $36 a month but adds about $258 in interest.
How much should I put down?
As much as you can comfortably afford without draining your emergency savings. Each extra dollar down reduces both the monthly payment and the interest you pay.