Payment options for braces treatment is unique to every office. Most offices offer discounts if you pay for the full treatment up front. If that is not financially feasible for you, usually you will be required to pay an initial deposit and the remaining balance split over monthly payments. There are also lenders such as Care Credit that you can use toward health care. You would apply for credit as if you were applying for a credit card, and you can use it toward your orthodontic treatment.