18 year old girl wants dental loan. Could I get it?

Lalaland1

I really dislike my teeth and badly want braces, however I don't know how I'm going to pay for them. Let me explain it to you..

First of all, I was thinking of using finance where i just pay some back every month untill the full amount is payed up. I am in full time employment however seeing as I'm so young and never had a credit card or anything, I have limited credit history and won't get finance.

Secondly, my mum offered to pay using her card every month and I just give her the cash myself however she has really bad credit and didn't get finance.

The cost of the braces would come to about £2500 all together and I was wondering if I would be able to get this loaned to me from somewhere like a bank? Do you think they'd do this? I don't own a home though but I am employed and would be able to pay the loan back without a doubt. I know people will tell me to save up but what with other living expenses (like running my car etc) it would take me forever! And my teeth are really affecting my self confidence. Thank you.

DevCoder

Best place to ask is the bank you actually bank with as they have access to all the information (well the majority of it) that is needed (incoming/outgoing etc).

If they refuse then it's normally a no from everyone else except the sharks.

Eonel

Your orthodontist may be able to offer you the ability to make a number of payments over time. I can't imagine they will credit check you so your lack of credit history may not be a problem.

AHAR

Lalaland1 wrote: »

I know people will tell me to save up but what with other living expenses (like running my car etc) it would take me forever!

How much time do you think you'd need to pay back the £2500 + interest? It sounds like you'd need longer than forever?

CLAPTON

howmuch do you earn
do you live cheaply at home
how long would it take to save 2,500?

DCFC79

Jeez, has costs for braces really shot up that much over the years, im sure my braces didnt cost that much in mid 90's and they were done privately.

Would braces actually fix it ?

miduck

Do you want or need braces? Have you asked about other options?

happycamel_2

If you can't afford to save then I don't see how you can afford to pay the capital and interest on a loan, by definition this will cost more than saving up.

You're teeth can't be that bad otherwise you'd have had them done for free on the NHS before you were 16.

For now you have a job but you've said yourself you don't have much spare money. at 18 you have the choice to save and then spend as a way of life. If you do that you'll have far more nice things than if you spend and then pay back with interest.

There are only two loans worth having
1) a student loan for training you in skills that are in demand
2) a house on a repayment mortgage

DevCoder

DCFC79 wrote: »

Jeez, has costs for braces really shot up that much over the years, im sure my braces didnt cost that much in mid 90's and they were done privately.

I think the new trend is to have invisalign braces, or a brand of.

http://www.harleystreetdentalstudio.com/html/orthodontics.html

Im not having a go because if the OP is really conscious of their teeth then normal cheap braces would make them more so. Yes theres a MSE way of straightening your teeth but sometimes money comes second to psychological thinking. We all have bits of our body we would change and sometime people get very self conscious about them.

Not having a go at you DCFC, just arguing the other side.

sistafromanothermista

CLAPTON wrote: »

howmuch do you earn
do you live cheaply at home
how long would it take to save 2,500?

What Clapton said OP really.
Save up half maybe?

stclair

I would ask your dentist about finance too.

I know my dentist is registered with a finance company they lend you the money and pay the dentist direct.

http://www.financingfirst-dental.co.uk/benefits.html

Facilities up to 12 months are normally available on an ‘interest free’ in this case.