Orthodontic Financing

A beautiful smile accessible to all budgets. Cost should never be a barrier to your smile. Flexible interest-free payment plans, family discounts, and tailored options.

Dr David Benguira, FRCD(C) orthodontist
★ 4.8/5 RateMDs (231 reviews)FRCD(C) Certified15 years at Sainte-Justine5,000+ cases treated
Orthodontic financing options

Worried about the cost?

Insurance and financing

Are you postponing treatment because you think you can't afford it?

Unsure about your insurance coverage? We verify it for you at no charge.

Have multiple children who need treatment? Our family discounts make treatment accessible.

Don't let cost delay your family's smile.

Flexible payment plans

Orthodontic financing options on screen

Full payment

Savings on total cost, no payment tracking, peace of mind.

Monthly plans (0% interest)

Flexible initial deposit, fixed monthly payments, 12, 18, or 24 months, automatic withdrawal.

External financing

Financing options through partner institutions if needed.

Transparency and accessibility

How it works

Free consultation

Examination, diagnosis, and detailed estimate at your first visit.

Insurance verification

We submit a pre-determination to your insurer to confirm coverage.

Payment plan

Choose the right plan: full payment, monthly 12/18/24 months, or external financing.

Treatment begins

Your treatment starts as soon as the financial plan is established.

Free Consultation

Call us: 450.983.4233

Patient Testimonials

« The interest-free financing allowed us to treat both our children at the same time. With the family discount, it was affordable. »

The Tremblay family, Saint-Eustache

« I didn't know my insurance covered adult orthodontics. The team verified everything for me. »

Marc, age 38

« The monthly payments of $150 were perfectly manageable. Zero interest. »

Julie, age 28

Case Studies

Smiling family

The Tremblay Family

Problem: 2 children needing simultaneous treatment

Treatment: Family discount + 18-month interest-free financing

Result: Significant savings, affordable monthly payments for both treatments

Payment options

Full Payment

100%

Discount on total cost

Ideal for: Those who prefer to pay upfront

Monthly 18-24 Months

18-24 x

Lower payments, interest-free

Ideal for: Most families

External Financing

60 months

Maximum flexibility

Ideal for: Spreading payments as much as possible

Questions about financing

Can I start treatment without paying in full?

Yes! Our payment plans allow you to start with an initial deposit. The rest is divided into monthly installments.

Are the payment plans really interest-free?

Yes, most of our in-house plans are interest-free. The exact terms depend on the plan duration.

Do aligners cost more than braces?

The cost is generally comparable for similar cases. The type of appliance is chosen based on your case, not the price.

Do you accept credit cards?

Yes: Visa, Mastercard, Interac / Debit, pre-authorized payment.

Does my insurance cover adult orthodontics?

It depends on your plan. Some insurance plans limit coverage to those under 18, while others cover adults. We will help you verify.

Typical insurance coverage

ItemTypical Coverage
Percentage covered50% of cost
Lifetime maximum$2,000 to $3,000
Age restrictionsCheck your plan
Special programs: NIHB (First Nations and Inuit) and RAMQ (severe cases) may provide full coverage. Learn more about NIHB.

Free personalized estimate

During your free consultation, we will establish both a treatment plan AND a payment plan tailored to your needs.

Book my free consultation

Discover our other treatments

Ready to discuss your options?

Cost should never prevent a smile. During your free consultation, we will find the financial solution best suited to your situation.

Saint-Eustache
464 rue du Parc, suite 122
450.983.4233
Montreal
3766 Queen Mary
514.667.9498