Braces can be a significant investment, but you do not necessarily need to pay the full treatment fee upfront.
At Whites Dental, eligible patients can spread the cost of private braces using interest-free finance over shorter repayment periods or longer-term finance with lower monthly payments.
Complete orthodontic treatment typically costs between £2,795 and £4,295, depending on the brace system, the complexity of the case and the amount of tooth movement required. A £395 initial payment is normally required for scans and treatment planning, with the remaining balance paid through the agreed payment option.
Quick Answer: Yes. Eligible patients can pay monthly for braces at Whites Dental in London. Interest-free finance is typically available over 3–12 months, while longer repayment plans of 24–60 months are available at 9.9% APR. A £395 initial payment is normally required, and all finance applications are subject to status, affordability and lender approval.
🔑 Key Takeaways
- Braces typically cost £2,795–£4,295 at Whites Dental
- 0% finance is typically available over 3–12 months
- Longer-term finance is available over 24–60 months at 9.9% APR
- A £395 initial payment normally covers scans and treatment planning
- Metal, ceramic and Damon braces may be eligible for monthly payment options
- Finance approval is decided by the lender rather than the dental practice
- Pay-as-you-go arrangements may also be available
🧭 Jump to:
How Do Monthly Payment Plans for Braces Work?
A braces payment plan allows you to spread the cost of orthodontic treatment instead of paying the entire fee at the beginning.
Finance is normally discussed after the dentist or orthodontic team has assessed your teeth and confirmed the recommended brace system. This ensures that the application is based on an accurate treatment fee.
- Attend a braces consultation. The team assesses your teeth, bite and treatment goals.
- Receive a personalised treatment plan. This confirms the recommended brace system, likely treatment duration and total cost.
- Review the payment options. These may include paying upfront, paying in stages or applying for finance.
- Choose an available repayment term. Shorter interest-free and longer interest-bearing options may be available.
- Complete the digital finance application. The lender assesses eligibility, creditworthiness and affordability.
- Proceed with treatment. Once the payment arrangement and clinical planning stages are complete, braces can be fitted.
Finance applications are completed digitally and decisions are often provided within a few minutes. Approval is not guaranteed and is made by the finance provider.
Do you have to pay for braces upfront?
No. Depending on your treatment plan, you may be able to choose between:
- Paying the full treatment fee upfront
- Using a pay-as-you-go arrangement during treatment
- Applying for 0% finance over a shorter term
- Applying for longer-term finance at 9.9% APR
The most appropriate option is the one that allows you to manage the repayments comfortably without delaying necessary dental care.
How Much Do Braces Cost at Whites Dental?
Braces typically cost between £2,795 and £4,295 at Whites Dental.
The exact cost depends on:
- The brace system selected
- The severity of crowding or spacing
- Whether both arches need treatment
- The complexity of the bite
- The amount and type of tooth movement required
- The expected treatment duration
Available options include:
| Brace Type | Main Features | Typical Use |
|---|---|---|
| Metal braces | Traditional fixed brackets with precise control | Suitable for a wide range of orthodontic cases |
| Ceramic braces | Tooth-coloured brackets for a less noticeable appearance | Popular with adults wanting discreet fixed treatment |
| Damon braces | Self-ligating brackets designed to hold the wire without traditional elastic ties | Available for suitable adult and complex cases |
These are private treatment options. Your final quote can only be confirmed after an orthodontic assessment.
Complete orthodontic treatment typically costs £2,795–£4,295. Your exact fee depends on the brace system and treatment complexity.
How Much Are Braces Per Month?
The monthly cost of braces depends on the total treatment fee, the £395 initial payment, the repayment term and whether interest applies.
The following example uses a total brace treatment fee of £3,995, based on the current representative figures published by Whites Dental.
| Payment Term | Initial Payment | Monthly Payment | Finance Terms |
|---|---|---|---|
| 12 months | £395 | £300 | 0% finance |
| 24 months | £395 | £163.90 | 9.9% APR |
| 36 months | £395 | £114.40 | 9.9% APR |
| 48 months | £395 | £89.70 | 9.9% APR |
| 60 months | £395 | £74.90 | 9.9% APR |
These figures are representative examples currently published by Whites Dental. Your application will show the amount of credit, repayment schedule, APR and total amount repayable before you enter into an agreement. Terms and conditions apply.
Why are braces not simply divided into equal monthly payments?
The monthly figure can differ according to:
- The initial payment
- The amount financed
- The selected repayment term
- Whether the finance is interest-free
- The APR applied to longer-term plans
Longer terms reduce the monthly payment but increase the total amount repaid because interest applies.
0% Braces Finance Versus Longer-Term Finance
Whites Dental currently offers both shorter interest-free options and longer repayment plans.
| Finance Option | Typical Term | APR | Main Consideration |
|---|---|---|---|
| Interest-free finance | Typically 3–12 months | 0% | Higher monthly payments but no added interest |
| Longer-term finance | Typically 24–60 months | 9.9% | Lower monthly payments but a higher total repayment |
Which braces payment plan offers the best value?
The 0% option usually provides the lowest overall cost because no interest is added. However, you must be able to afford the larger monthly repayments over the shorter period.
A longer plan may be more manageable each month, but the total amount repaid will be higher.
Before proceeding, review:
- The initial payment
- The amount borrowed
- The monthly repayment
- The APR
- The total amount repayable
- Any early-settlement conditions
What Is Included in the Braces Price?
The currently advertised fixed-brace packages at Whites Dental include:
- Initial consultation
- Brace treatment and bracket fitting
- 3D scan and simulation
- Adjustment and review appointments
- Removal of the brackets at the end of treatment
- Teeth whitening
- Teeth contouring where clinically appropriate
- One removable retainer
Paying monthly does not reduce the clinical treatment or package benefits. Finance changes how the fee is paid rather than the orthodontic care provided.
Replacement appliances, additional retainers, repairs caused by damage or treatment outside the agreed plan may carry separate fees. Your personalised quotation should explain what is included.
Can You Pay Monthly for Metal, Ceramic and Damon Braces?
Monthly payment options may be available for qualifying metal, ceramic and Damon brace treatment.
Metal braces payment plans
Metal braces are a widely used fixed option and can treat many types of crowding, spacing and bite problems. Eligible treatment may be paid through the available finance options.
Ceramic braces payment plans
Ceramic braces use less noticeable brackets and are popular among adults who want fixed treatment with a more discreet appearance.
Damon braces payment plans
Damon braces use self-ligating brackets and may also qualify for monthly payment arrangements, depending on the total fee and application outcome.
The treatment type should be chosen according to clinical suitability rather than the lowest monthly payment alone.
Can You Get Braces Finance With Bad Credit?
Having poor or limited credit history does not automatically determine the outcome of a braces finance application, but approval is not guaranteed.
The finance provider may consider:
- Your credit history
- Your income and financial commitments
- The affordability of the proposed payments
- The amount of credit requested
- The initial payment
- The selected repayment term
The lender makes the final decision. Whites Dental cannot guarantee acceptance or override a declined application.
Can you get a braces payment plan with no credit check?
Whites Dental does not advertise guaranteed no-credit-check braces finance.
Finance providers normally carry out creditworthiness, identity and affordability assessments before approving a regulated credit agreement. The type of search used and any effect on your credit file should be explained during the application process.
Be cautious with any provider that promises guaranteed finance without clearly explaining the checks, APR and total amount repayable.
Does applying affect your credit score?
The type of credit search and any effect on your credit file depend on the finance provider and the stage of the application.
Review the information shown before submitting the application rather than assuming that every initial check is a soft search.
Who Can Apply for Braces Finance?
Eligibility depends on the lender’s current criteria.
The braces cost page states that the finance application is completed digitally and usually takes only a few minutes. Applicants will normally need to provide personal, financial and payment information for assessment.
Typical requirements may include:
- Being aged 18 or over
- Being a UK resident
- Having a suitable UK bank account
- Providing accurate income and expenditure details
- Passing the lender’s affordability and creditworthiness assessment
Meeting basic application requirements does not guarantee approval.
How do you apply for braces finance?
- Attend a consultation and receive a confirmed treatment plan.
- Review the treatment fee and available ways to pay.
- Choose an available repayment period.
- Receive the secure digital application link.
- Complete and submit the finance application.
- Review the repayment terms before accepting an agreement.
- Pay the required initial amount and proceed once approved.
Can You Pay for Braces Without Finance?
Yes. Finance is not the only way to spread the cost.
The braces cost page currently lists a pay-as-you-go arrangement using a £3,995 treatment as an example:
- £395 for scans and treatment planning
- £950 when ordering the brackets
- The remaining balance paid in instalments during treatment
The exact staged arrangement depends on the personalised treatment fee and should be confirmed before starting.
Do Braces Payment Plans Require a Deposit?
A £395 initial payment is currently shown across the Whites Dental braces finance examples.
This contributes towards scans and treatment planning rather than being an additional charge on top of the treatment fee.
For the 60-month example, the braces cost page describes the £395 planning payment as non-refundable. The exact conditions should be explained before treatment and finance are accepted.
Can Dental Insurance Help Pay for Braces?
Some private dental-insurance policies may contribute towards orthodontic treatment, but cover varies significantly.
Before relying on insurance:
- Check whether adult orthodontics is included
- Confirm the annual or lifetime orthodontic allowance
- Ask whether pre-authorisation is required
- Check whether there is a waiting period
- Confirm whether treatment must be provided by an approved clinic
Providers such as Bupa, Denplan and Simplyhealth offer different plans, but braces are not automatically covered by every policy.
Where a policy contributes towards treatment, it may be possible to use insurance alongside another payment arrangement. This depends on the insurer, treatment plan and finance terms.
Braces Payment Plans at Whites Dental London
Whites Dental offers private braces treatment and monthly payment options from two Central London practices.
Whites Dental Waterloo
172 Blackfriars Road, London SE1 8ER
Telephone: 020 8616 0590
The Waterloo clinic is convenient for patients travelling from South Bank, Blackfriars, London Bridge, Borough and surrounding areas.
Whites Dental Marble Arch (W2)
52B Kendal Street, St George’s Fields, London W2 2BP
Telephone: 020 3576 2325
The Marble Arch practice is convenient for patients travelling from Paddington, Marylebone, Edgware Road, Mayfair and across Central London.
A consultation allows the team to assess your teeth, recommend a suitable brace system and provide an accurate cost and monthly payment breakdown.
Frequently Asked Questions About Braces Payment Plans
Can you pay for braces monthly?
Yes. Eligible patients can apply for monthly finance or discuss a staged payment arrangement after receiving a confirmed braces treatment plan.
Can you pay monthly for braces in the UK?
Many private orthodontic clinics offer monthly payment options. At Whites Dental, shorter 0% terms and longer 9.9% APR options are currently advertised, subject to approval.
How much are braces per month?
The monthly amount depends on the treatment fee, initial payment and repayment term. For a £3,995 treatment with a £395 initial payment, the currently advertised examples range from £300 per month over 12 months at 0% to £74.90 per month over 60 months at 9.9% APR.
Is there a deposit for braces?
A £395 initial payment is normally required for scans and treatment planning. This contributes towards the overall treatment fee.
Are braces payment plans interest-free?
Interest-free finance is typically available over 3–12 months. Longer repayment options of 24–60 months currently incur 9.9% APR.
Can I get braces on finance?
You may apply once the recommended treatment and total fee have been confirmed. Approval depends on the finance provider’s checks and lending criteria.
Can I get braces finance with bad credit?
You may still be able to apply, but approval is not guaranteed. The lender will assess your individual circumstances, creditworthiness and affordability.
Are there braces payment plans with no credit check?
Whites Dental does not advertise guaranteed no-credit-check finance. Creditworthiness and affordability checks are normally part of the application process.
Can I pay for braces in instalments?
Yes. Payment may be spread through an approved finance agreement or a staged pay-as-you-go arrangement, depending on the treatment plan.
Can you pay monthly for ceramic braces?
Eligible ceramic-brace treatment may qualify for the available monthly finance options, subject to the total cost and lender approval.
Can you pay monthly for metal braces?
Yes. Metal-brace treatment may be eligible for monthly payment options once the treatment fee has been confirmed.
Can parents use finance for a child’s braces?
A parent or guardian may be able to apply for finance where the orthodontic treatment is for a younger patient. The adult applicant would be responsible for the agreement and repayments.
Can you pay braces finance off early?
Early settlement may be available, but the exact conditions depend on the finance agreement. The lender can confirm the settlement amount and any applicable terms.
Does paying monthly change the braces treatment?
No. The payment method does not change the brackets, clinical planning, review appointments or orthodontic decisions involved in treatment.
How quickly is braces finance approved?
Applications often receive a decision within a few minutes, but timing and approval depend on the lender and the information provided.
Not sure which brace type or payment term might suit you? A consultation allows the team to assess your teeth, explain the available treatment options and provide a personalised cost breakdown before you decide whether to proceed.
Related Braces Guides
- How Much Do Braces Cost?
- Metal Braces in London
- Ceramic Braces in London
- Damon Braces in London
- Can Adults Have Braces?
Author
Dr Deepa Chopra
Principal Dentist & Clinic Founder
GDC registration number: 124489
Membership of the Faculty of Dental Surgery from the Royal College of Surgeons of Edinburgh
Membership of the British Dental Association
Restorative Dentistry from Tipton
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Areas of Expertise: 20+ Years Dentistry Experience. General Dentistry, Cosmetic Dentistry, Restorative Dentistry, Invisalign, Composite Bonding, Veneers, Root Canals, Crowns, Dentures, Gum Disease, Hygienist Services, Emergency Dental Services & Teeth Whitening.