You don't say where you are, of course. All I can comment to is what seems typical in the USA.
From all I've seen talking to people over here, the norm seems to be for most orthodontists to offer an interest-free payment plan, usually with a bigger downpayment up front. For those who cannot make even these payments (which usually try to get the full cost of treatment to be spread only over the anticipated treatment time) orthos often refer patients out to credit companies who offer specific plans for this type of treatment - then, yes, there would be interest payments. And what is also very common is that if payment is made in full up front, a discount is offered.
So, if you're in the USA, it's possible you can find better terms. Of course, price/payment options alone should not be the primary reason for picking an orthodontist. But it is a valid factor to weigh into the mix when choosing.
By the way: you are seeing an ortho not a dentist, right?
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