Most major clear aligner brands in Singapore offer some form of financing or instalment plan, as orthodontic treatment is considered a significant out-of-pocket expense and is not covered by MediSave. Across the market, financing generally falls into three main categories:
This guide explains the main instalment and financing models used for clear aligners in Singapore, what they typically cover, and how to evaluate which option suits your needs.
Across the market, clear aligner financing generally falls into three broad categories.
In this model, payment arrangements are managed directly by the dental clinic providing the treatment. Clinics may structure payments in stages, such as requiring an initial deposit followed by monthly payments over the course of treatment. Some clinics also partner with local banks to offer credit card instalment plans, which may allow patients to spread payments over several months without interest, depending on the bank and card used.
Because each clinic sets its own pricing and financing arrangements, instalment tenure and payment structure can vary widely. Some clinics offer shorter repayment periods, while others may extend instalments up to a year. As a result, patients usually need to consult the clinic directly to understand the exact payment terms available to them.
Under a brand-managed instalment model, the aligner provider offers a standardised payment structure that applies across its treatment plans. Pricing is typically fixed upfront, and monthly instalments are calculated by dividing the total treatment cost over a selected repayment period.
These instalment plans are often interest-free and are paid directly to the aligner provider rather than the clinic. Because the structure is standardised, patients generally have a clearer view of their total cost and monthly commitments from the beginning. However, it is important to note that dental clinic services, such as consultations or scans, may still be charged separately by the clinic.
Some clear aligner payments are facilitated through third-party financing platforms or BNPL providers. These platforms typically offer shorter repayment tenures and quick approval processes, making them appealing for those seeking convenience.
Depending on the platform and repayment period chosen, BNPL arrangements may involve processing fees or instalment charges. Some providers also offer weekly repayment options in addition to monthly payments. While this model can improve short-term affordability, it is important to consider the total repayment amount before committing.
A common source of confusion for patients is understanding what costs are included in an instalment plan and what costs are not. In most cases, instalment plans cover the production of clear aligners and the digital treatment planning required to design them. Provider-managed treatment support is also typically included.
On the other hand, dental clinic services are often billed separately. These may include in-person consultations, oral scans or X-rays, attachment placement, refinements, or additional clinical procedures. Because clinics operate independently from aligner providers, these fees are usually paid directly to the clinic, even when the aligners themselves are purchased through a brand-managed instalment plan.
Zenyum follows a direct-to-consumer model with a standardised instalment structure designed to provide clarity and predictability.
Customers may choose to spread payments over up to 12 months, with no interest applied.
*Based on the related treatment prices, inclusive of applicable GST, over a twelve-month period. Any charges or fees relating to services provided by our partner dentist (including but not limited to dental appointments and scan fees) shall be solely borne by you and payable directly to the clinic.
Most clear aligner providers in Singapore offer different ways to break treatment costs into instalments, though the details vary across brands and clinics. Clinic-based providers may offer bank instalment plans or staged payments, while direct-to-consumer brands tend to provide more standardised monthly options.
If you’re thinking about starting your clear aligner journey and want a clearer sense of your potential costs and payment options, an assessment is a helpful place to begin. It gives you a better understanding of your suitability, expected fees, and how your treatment could be structured, so you can make a decision with confidence and clarity. Start your smile check today to see what your journey could look like!
Answer a few questions, and take four teeth pictures. It only takes a few minutes!
Receive a call from us to schedule your dentist appointment
You’ll have 3D scans and X-rays taken of your teeth by your dentist
Give the green light for your Zenyum aligners to go into production after approved by your dentist.
