Installment braces are a solution that allows customers to undergo orthodontic treatment without having to pay the full cost upfront. The expense is divided into monthly or quarterly payments, helping individuals with average incomes easily access quality dental services in Ho Chi Minh City without financial pressure.
What are Installment Braces?
Installment braces are a payment method that allows customers to get orthodontic treatment without having to pay the full cost upfront. Instead, you divide the fee into multiple installments, monthly, quarterly, or according to an agreed-upon plan. This method is being adopted by many clinics in Ho Chi Minh City to help individuals with average incomes access quality dental services without worrying about initial financial burdens.
Most customers, when advised about braces, are hesitant due to the high initial cost, ranging from 20 to 40 million VND or more depending on the method, such as metal braces, Invisalign clear aligners, or ceramic braces. Some customers can pay a lump sum, but the majority fall into the group that needs to divide payments to fit their personal budget, especially those with average incomes or students.
Advantages and Disadvantages of Installment Braces
Installment braces are becoming a practical option for many people who want to improve their teeth but face financial difficulties. Breaking down the treatment cost helps increase access to orthodontic services, especially at dental centers in Ho Chi Minh City. However, to choose this option effectively, users need to understand both its strengths and points to consider.
Advantages of Installment Braces
Reduces Initial Financial Pressure
Many people are hesitant due to the cost of braces, which ranges from 20 to 40 million VND, or even higher for methods like Invisalign. With a dental installment plan, you only need to pay 1 to 3 million VND per month, depending on the agreed-upon period. This is especially useful for students, individuals with average incomes, or those with multiple ongoing expenses.
Increases Access to Professional Orthodontic Services
No longer having to delay due to cost, individuals with misaligned teeth, crowded teeth, overbites, or malocclusions can now seek early treatment. Many specialized orthodontic clinics in Ho Chi Minh City also partner with banks like MB Bank and TPBank to facilitate installment payments, making it easier for customers to get their applications approved.
Low or 0% Interest Rates
Some current budget-friendly braces packages offer 0% interest if customers complete payments within 6 to 12 months. For longer terms, interest rates remain low. This option allows you to undergo treatment with peace of mind, without worrying about a significant difference in cost.
Diverse and Flexible Options
You can choose from methods such as metal braces, ceramic braces, or clear aligners. You also have the right to select a service package that fits your personal finances. Many places also support installment payments via e-wallet apps, requiring no income proof, only an ID card/Citizen ID.
Long-term Support Services
Large centers in HCMC often provide after-sales services such as free teeth cleaning, online orthodontic consultations via Zalo, Messenger, or regular archwire changes. Some reputable clinics also offer a refund policy if customers are not satisfied.
Limitations to Consider When Choosing Installment Braces
Long-term Financial Commitment
When signing an installment contract, you are obligated to adhere to the monthly payment schedule. If your finances are disrupted, you may incur late payment penalties or treatment may be suspended. Therefore, carefully assess your ability to make stable payments for 12 to 24 months.
Some Places Apply Hidden Surcharges
Not all dental clinics are transparent about their costs. In some cases, customers may be charged additional fees for documentation, interest, or surcharges for cleaning services or appliance placement. Before signing a contract, it is crucial to check the price list, clear payment policies, and ensure there are no unfavorable terms.
Service Quality May Vary
Due to focusing on low prices or promotions, some clinics may cut corners on procedures or shorten follow-up appointments. This directly affects the outcome of the orthodontic treatment. Prioritize choosing a place with a comprehensive orthodontic system, an experienced team of orthodontists, and modern equipment.
Risks of Early Contract Termination
If you discontinue treatment, some clinics may not refund the fees already paid. Some may even charge additional contract termination fees. Therefore, it is essential to inquire about the refund policy and contractual obligations clearly before making a decision.
Conditions and Procedures for Installment Braces in HCMC
Most dental clinics in HCMC do not require overly complex income verification. Below are the common conditions:
- Suitable age: Usually 18 to 35 years old – the customer group most likely to be approved for installments.
- Identification documents: A valid ID card or Citizen ID is mandatory.
- Basic finances: Stable income or support from relatives.
- Bank account: Some dental clinics require an account with MB Bank, TPBank, or an affiliated bank.
Installment Registration Procedures: Step-by-Step
Registering for installment braces is not overly complicated if you follow these steps:
Step 1: Schedule a Free Consultation
Contact a HCMC dental clinic via Zalo, Messenger, or hotline to book an appointment. Some places support online registration directly on their website.
Step 2: Examination and Orthodontic Treatment Plan Creation
The orthodontist will take X-rays, analyze your dental condition, and recommend suitable methods (metal braces, Invisalign clear aligners…). Based on this, you will know the treatment duration and the cost of braces.
Step 3: Installment Plan Consultation
The orthodontic consultant will present various installment packages: terms from 6 – 24 months, monthly payments via bank or e-wallet app. Some packages do not require an upfront payment, and even offer 0% interest.
Step 4: Sign the Installment Contract
You will need to sign a clear commitment contract: the amount for each installment, payment schedule, early payment terms, or contract termination. The contract must be transparent and bear the confirmed seal of the dental service provider.
Step 5: Begin Treatment
After signing the contract, the dental clinic will proceed with bracket placement and commence the treatment plan. Throughout the duration of wearing braces, you must adhere to your follow-up schedule and make timely payments.
Some Notes Before Registering
- Read the contract carefully: Avoid situations where you might be penalized or charged interest for late payments.
- Compare with average prices: In HCMC, braces costs range from 20 – 40 million VND, depending on the method.
- Inquire about after-sales services: Some places offer free periodic teeth cleaning, bracket warranty, or a refund if not satisfied.
Current Installment Braces Price List in Ho Chi Minh City
Depending on the braces method and type of brackets, the cost of braces in HCMC ranges from 20 to 40 million VND, applicable for installment terms from 6 to 24 months. Below is a reference price list:
| Braces Method | Full Cost | Monthly Installment (12 months) |
| Metal Braces | 20 – 25 million VND | 1,700,000 – 2,100,000 VND |
| Ceramic Braces | 30 – 35 million VND | 2,500,000 – 3,000,000 VND |
| Invisalign | 45 – 70 million VND | 4,000,000 – 6,000,000 VND |
Breaking down the cost helps individuals with average incomes easily access dental services, especially as healthcare spending becomes an increasingly important concern. Major dental clinics in HCMC often clearly disclose their installment plans, with no interest or 0% interest rates depending on the period.
How to Choose a Suitable Installment Braces Package in HCMC
Before registering for any installment package, customers should follow these 4 simple steps:
Consult directly or online with the clinic to determine which method is suitable (braces or clear aligners).
Assess your financial capability: Monthly installment payments should not exceed 20% of your personal income.
Choose a reasonable term: Popular terms are 12 – 18 months, sufficient to break down costs without creating long-term financial pressure.
Read the installment contract carefully: Thoroughly check the interest rate (if any), payment schedule, and included benefits such as free periodic teeth cleaning.
Braces with deferred payment plans are a trend that aligns with current spending realities. Even with a low income, you can still get flexible orthodontic treatment if you choose a reputable orthodontic service provider in Ho Chi Minh City.
My Auris – Top Reputable Installment Braces Clinic in HCMC
My Auris offers a variety of braces methods: metal braces, ceramic braces, and Invisalign clear aligners, catering to different dental conditions such as misaligned teeth, overbites, or underbites. Treatment plans are personalized by highly qualified orthodontists with extensive clinical experience in comprehensive orthodontics, and even jaw surgery combined with orthodontics if necessary.
Regarding dental installment policies, My Auris partners with various banks like MB Bank, TPBank, and e-wallets, allowing you to pay in monthly installments with 0% interest for terms of 6–24 months. No complex income verification is needed; just an ID card or Citizen ID is required, and you can register directly at the clinic or through online consultation via Zalo, Messenger, or Hotline. This is a significant advantage for customers with average incomes, students, or anyone who needs to divide payments to manage their expenses.
Furthermore, the clinic also offers budget-friendly braces packages, free initial consultation, and complimentary periodic teeth cleaning throughout the treatment period. The after-care policy is transparent and clear, ensuring customers feel secure about a treatment process that typically lasts 18 to 24 months.
Reasons why My Auris is suitable for those needing installment braces:
Clear Consultation – Transparent Treatment Plan
Customers receive a general examination, 3D X-rays, bite analysis, and a specific treatment roadmap before signing the installment contract.
Easy Installments – No Financial Pressure
Flexible payment packages, evenly divided monthly, help you easily maintain payments without affecting other expenses in your life.
Convenient Booking – Full Online Support
You can book appointments or follow-up visits directly at the clinic or through online channels. Our team of orthodontic consultants is always ready to answer questions and guide you every step of the way.
Reputable Brand – Chosen by Many
With thousands of successful orthodontic cases each year, My Auris receives positive reviews on social media platforms. They commit to a “money-back guarantee if not satisfied” and provide public, transparent pricing.
Support for Various Financially Suitable Packages
You can choose a basic metal braces package, or higher-end packages with Invisalign, depending on your needs and financial conditions. Each package can be paid in installments.
Frequently Asked Questions About Installment Braces in HCMC
What are installment braces and are they safe?
Installment braces are a payment method where orthodontic treatment costs are paid in periodic installments instead of a single lump sum. Most dental clinics in HCMC offer this program to provide financial support for customers’ braces treatment. You only need to pay a small upfront amount, and the remainder is divided into monthly or quarterly payments.
Installment braces do not affect treatment quality if you choose a reputable clinic. Specialized orthodontic clinics typically sign clear contracts, transparently outlining the payment schedule and committing to no hidden fees. This is an effective financial solution for individuals with average incomes or students who need comprehensive orthodontic treatment.
Are Installments Subject to Interest?
Many dental clinics in HCMC currently offer 0% interest programs for 6 – 12 months. However, this depends on the method you choose: payment via bank, e-wallet app installments, or direct agreement with the orthodontist. In some cases, if the term extends beyond 12 months, a low interest rate of 0.5 – 1.5% per month might be applied.
Recommendation: It is advisable to thoroughly ask the orthodontic consultant about interest rates and monthly payment policies to avoid hidden costs.
Will I be Penalized If I Discontinue Braces Treatment?
Installment braces contracts often include clauses regarding mid-term cancellation. If treatment is discontinued prematurely, you will still be required to pay for the used portion of the dental service. Some cosmetic dental clinics will charge a contract cancellation fee, while others may offer a refund if the customer is not satisfied.
Note: Always read the installment contract carefully before signing. Pay special attention to the ‘after-sales service’ and ‘service termination conditions’ sections.
Can I Choose a Braces Method Suitable for the Installment Plan?
Yes. Customers have the right to choose a suitable braces method such as metal braces, ceramic braces, or Invisalign. The average price ranges from 20 – 40 million VND, corresponding to a treatment duration of 18 – 24 months.
Depending on the oral care package, you may receive complimentary periodic teeth cleaning services or minor adjustments support after your braces are removed. The dentist will provide flexible orthodontic service consultation and design a financial plan tailored to you.
