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

amjustagirl

I paid about £1650 for my braces they were metal on the bottom and white wired ones on the top. They wer'nt overly noticable.. just a thought 2.5k is quite alot more money. I did 0% finance over a year also so it spread the cost nicely. Am very pleased with the results, the first few days are the worse it's pretty painful but worth it in the end.

melbell

CLAPTON wrote: »

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

How is it being a financial wizard?

Elvisia

Have you checked out whether there is anyway you could get it done on the NHS? I ask because just before I was 18 I went on the waiting list (in the days when it cost a grand for braces, but they were free before 18) but was told because of the length of the waiting list and my age once my name had come up I would have to pay for it. So I saved up the grand, and five days before I was due to go in privately (I was 21 at the time) I got a letter to say my name had come up and I could get them done for free. It's made the biggest difference to my life. I wonder if your GP might even be able to help if you say it's really mentally affecting you? I just never wanted to talk or smile when I had bad teeth, and the knock-on effect on your confidence is huge and quite soul destroying.

Otherwise do talk to your dentist, explain your lack of cash, and even ask if they can do any sort of discount.

marathon_man_3

An option, if your teeth are a problem, is to sell the car and use the money from the sale and savings on running expenses (less the fares that you would have to pay) instead. Not everyone at your age has a car and you must be paying a fortune for the insurance anyway.
You can always save up for another car after you have paid for your teeth.

stclair

Elvisia wrote: »

Have you checked out whether there is anyway you could get it done on the NHS? I ask because just before I was 18 I went on the waiting list (in the days when it cost a grand for braces, but they were free before 18) but was told because of the length of the waiting list and my age once my name had come up I would have to pay for it. So I saved up the grand, and five days before I was due to go in privately (I was 21 at the time) I got a letter to say my name had come up and I could get them done for free. It's made the biggest difference to my life. I wonder if your GP might even be able to help if you say it's really mentally affecting you? I just never wanted to talk or smile when I had bad teeth, and the knock-on effect on your confidence is huge and quite soul destroying.

Otherwise do talk to your dentist, explain your lack of cash, and even ask if they can do any sort of discount.

My friend the same age as me (36) shopped around and got hers done on the NHS.

jules888

My teeth arent great as wasnt taken to the dentist in my early teens when i would have got a free brace.I would only pay to get them done though if i won the lottery!

brook2jack

Braces have not been available in England and Wales for over 18s since 2006 , except in very severe cases that warrant hospital treatment ,normally in conjunction with surgery.

The same restrictions have been applied in Scotland this year and are about to be applied in NI.

In other words unless there is a really severe malformation op will not get treatment on the NHS.

Most orthodontists will offer credit but via a finance company which will do credit checks.

Some will allow you to pay off the bill monthly without finance but those are few and far between and normally you will have developed a relationship with the practice and be able to put down a good deposit.

Different brace systems have different costs and yes invisalign, clearstep are more expensive than other types of brace. However the norm in my area which is a cheap place to practice is around £1800 for a conventional fixed brace for fairly straightforward treatment.

pheonixrising21

happycamel wrote: »

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

I know you state that you are an accountant, but I have to disagree with this... well point 2 is accurate as over the long term (mortgage term 20-30 years)

As for point one, what skills are in demand at the start of the course may not be in as high demand at the end. And having the qualifications does not entitle you to a job in that field. However, I do agree that student loans are worthwhile (I have one myself).

Also, there are other loans which are worth having. Buy now pay later loans that are interest free for this period of time (which includes ALL credit cards), 0% interest deals. Also, some car finance deals offer a lower overall spend than buying the same car in cash (due to manufacturer deposit contributions).

Anyway, in answer to the OPs question, I'd agree with other people here who suggest asking if yur dentist offers monthly installments and also look at cheaper options too. Also, maybe you can apply for a O% on purchases credit card? Also, I do agree with other people who ask you how to plan to pay back the loan when you say you don't have money to save ("saving will take me ages"). I say this because if it would take you, say 3 years to save the money, it will take 3.5 or 4 to repay a loan at that rate

DCFC79

krisdorey wrote: »

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.

No dont worry I wasn't taking it as you having a go, thanks for the link.

Wutang_2

marathon_man wrote: »

An option, if your teeth are a problem, is to sell the car and use the money from the sale and savings on running expenses (less the fares that you would have to pay) instead. Not everyone at your age has a car and you must be paying a fortune for the insurance anyway.
You can always save up for another car after you have paid for your teeth.

I would have thought Marathon Man would have kept quiet on this subject