Invisalign Financing Payment Planner

Plan Invisalign payments before signing a financing contract. Provide the treatment quote, term length, and APR to reveal the financed balance, monthly instalment, interest cost, and total cash required including any down payment or origination fees.

Quoted full price for your Invisalign case including attachments and check-up visits.
Number of monthly instalments in the financing agreement.
Annual percentage rate quoted by the lender or dental office.
Optional. Cash you will put down at contract signing. Defaults to $0 if left blank.
Optional. Any additional fee the lender finances with the loan. Defaults to $0 if blank.

Financing estimates are informational. Confirm final payment amounts, fees, and prepayment policies with the lender or dental office before signing.

Examples

  • $5,800 treatment, 24-month term, 11.99% APR, $1,200 down, $95 fee ⇒ Financed balance after down payment: $4,695.00 USD • Monthly payment: $220.99 USD • Total interest over term: $608.71 USD • Total paid including down payment: $6,503.71 USD • Monthly cost per $1,000 financed: $47.07 USD.
  • $4,200 treatment, 18-month term, 0% APR promo, no down payment ⇒ Financed balance after down payment: $4,200.00 USD • Monthly payment: $233.33 USD • Total interest over term: $0.00 USD • Total paid including down payment: $4,200.00 USD • Monthly cost per $1,000 financed: $55.56 USD.

FAQ

Should I include retainers in the treatment cost?

Yes. Add post-treatment retainers or refinement trays into the cost input if they are part of the contract so the payment reflects the full Invisalign programme.

How do I model extra payments?

Recalculate with a shorter term that matches how quickly you plan to pay off the balance, or rerun with a reduced balance after your lump-sum payment.

Can I compare multiple lender offers?

Run the calculator for each APR and term combination, then compare the monthly cost per $1,000 financed and total interest to see which option is cheapest.

What if the APR is tiered?

Use the highest APR quoted to stress test affordability. If you qualify for a lower rate, the actual payment will be smaller than the estimate.

Additional Information

  • Down payment is capped at the treatment cost so the financed balance never goes negative.
  • Origination fees entered are assumed to be financed alongside the treatment balance.
  • Monthly cost per $1,000 helps compare multiple lenders quoting different APRs and terms.

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