Quote:
Originally Posted by JWoods38
I am seeing a dentist, but he is a very good one. He makes me feel like he really cares about what I want for my teeth, and what they look like. I'm not seeing an ortho and I didnt even know there was a difference. I am in the USA. They gave me brocures of different companys that offer monthly payment programs. The interest is 11.9% APR on the one I'm thinking of going with. A loan for 4200 would be $139 for 36 months, and I'm told that is $800 dollars in interest. I figured that this kind of thing would be normal, and that many people would be having to do this nowadays, but if not then I will consider another dentist.
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That seems very high.
I would seriously consider speaking with another dentist/orthodontist. I have dealt with two different ortho's, one for my son and one for myself, and both of them offered no interest payment plans. There was a lump sum due up front, and then the one I made monthly payments for a year, the other was two years. Both were interest free.
You are receiving treatment for quite a long period of time, it doesn't seem fair that you should have to pay everything upfront.
11.9% is pretty high too... you can get credit cards with lower interest rates than that.
if they are not willing to work with you on a payment plan, find someone else (you should get a few opinions anyway about the work that needs to be done to fix your teeth)