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Fixed rates starting at 1.99%APR* Low monthly payments that never change Terms up to 84 months No prepayment penalty No hassle application and online decision in minutes Interest-free options available** Capital One® Healthcare Financesm makes it easy for you to afford new braces for yourself or your children. Use Capital One Healthcare Finance to pay for elective procedures, from $300 to $40,000. We offer installment loans with low, fixed rates from 1.99% APR to 25.99% APR*, or interest-free loans** for 3, 6, 12, 18, or 24 months to qualified applicants. Either way, you'll be able to find an option designed to fit within your budget. You'll like our flexible terms—we can set up a payment schedule for you, from three months to seven years. And, Capital One Healthcare Finance is the only financing option endorsed by the American Association of Orthodontists. Want more details before you apply? Get the facts, right here: Benefits and Details Ready to apply? Do it now and get an answer in minutes. * Rates for our program range from 1.99% APR to 25.99% APR. The APR available to you will be determined by the term for which you apply and your credit standing. These rates are available for a limited time only and are not available in all areas.   ** Interest-free options not currently available in all areas. Please note that a 22.99% retroactive APR will be applied to the balance of your loan if not paid in full by the end of the interest-free period. To calculate the finance charges, we will multiply your daily principal balance during the interest-free period by your interest rate of 22.99% APR. We will then add this interest charge to the balance of your loan. Please note that our 3 month interest-free loan is a 24 month fixed rate loan with a 3 month interest-free period. Similarly, all other interest-free loans are 48 month fixed rate loans with stated interest-free periods. Estimated Treatment Fee Term 84 months60 months48 months36 months24 months18 months Estimated Monthly Payment Upon approval, your actual monthly payment will be provided with your official loan documents.