Invisalign Payment Plans in Toronto: How to Pay Monthly
Clinically reviewed by Dr. Abinaash Kaur, DDS, RCDSO, on 2026-09-14. Dr. Kaur is a general dentist in Toronto (Bloor West Village) registered with the Royal College of Dental Surgeons of Ontario.
Yes, you can pay for Invisalign monthly. Invisalign starts at $3,800 at The Village Dentist, and we split that total into monthly payments across your treatment. No interest on our in-office plan, no lender, and no credit application.
I'm Dr. Abinaash Kaur, B.Sc., DDS. I trained at the University of Toronto Faculty of Dentistry and opened The Village Dentist in Bloor West Village in 2005. I've been an Invisalign provider since 2008.
Most patients who sit down with me aren't asking what Invisalign costs. They're asking how they're going to pay for it.
Those are two different questions. Here's the answer to the second one.
How does an Invisalign payment plan work?
A payment plan is one total divided across a number of months.
We set the total at your consultation, after a 3D scan of your teeth. Then we divide it into equal monthly amounts that run alongside your treatment. You pay as you go, and the number doesn't move once we've set it.
Here's an example built off our starting price. Invisalign starts at $3,800 with us, so over 24 months at no interest that's about $158 a month. Stretch it over 12 months instead and the same total is about $317. Those are examples off the floor price, not a quote for your mouth.
If what you want is the cost breakdown rather than the payment structure, read our honest Invisalign price guide for Toronto first. It walks through what pushes a case up or down. The Ontario Dental Association publishes a suggested fee guide for Ontario dentists. The Royal College of Dental Surgeons of Ontario says a dentist must tell you if they intend to charge above that guide.
What decides your monthly number?
Three things: the total, the number of months, and how much your insurance pays toward it.
Most people shop the monthly payment as if it were the price. Here's what's going on underneath.
The monthly payment is an output, not a starting point.
Halve the term from 24 months to 12 and the payment doubles on the same total. Change the total and it moves again. Two people can pay the same amount each month on treatments with different totals, because their terms and their coverage aren't the same.
Your total depends on how far your teeth have to move. Invisalign Canada puts it plainly: your doctor sets the cost based on how complex the case is and how many aligners it needs. You can see what treatment involves on our Invisalign page.
Do you need a down payment or a credit check?
Not with our in-office plan. You pay a first instalment when treatment starts, and the rest arrives month by month. There's no lender, no credit application, and no interest, because the agreement is between you and us.
Third-party dental financing is a different animal. Those companies run a credit check, set a rate, and hold the loan themselves. Invisalign Canada notes that many doctors offer monthly payment plans, so you make small payments over the course of treatment.
Ask three questions before you sign either kind. Who holds the agreement? What's the interest rate? What happens if treatment finishes early?
How does insurance fit with a monthly payment plan?
Insurance and a payment plan stack. Your plan pays its share of the fee, and you finance what's left, so coverage lowers the monthly number rather than replacing the plan.
The step most people skip is the predetermination. We send your treatment plan to your insurer before you start, and they write back with what they'll pay. Then we build the monthly figure around a confirmed balance instead of a guess.
Many dental plans cover Invisalign the same way they cover braces (Invisalign Canada). Where that holds, picking between Invisalign and braces stops being an insurance decision.
Pull out your plan booklet and answer two questions. Is orthodontics covered at all? Is the cap a yearly one or a lifetime one?
We bill most major Canadian insurers direct, so their share never comes out of your pocket first.
Can a second plan or a spending account stretch it further?
Often, yes. If you and your partner both have workplace coverage, the two plans can be coordinated. Yours pays first, then the remainder goes to your partner's plan (Canada Life).
There's a ceiling on that. The two plans together won't reimburse more than 100% of the original claim (Canada Life).
A healthcare spending account is the other lever people forget, if your employer offers one. It gives you credits each year for eligible medical costs your workplace benefits or provincial plan don't cover (Canada Life). Applied to an orthodontic balance, those credits come straight off what you finance.
Are you budgeting for a teen instead of yourself?
The mechanics are the same, with one wrinkle worth knowing. For a child covered under both parents' plans, the plan of the parent whose birthday falls earlier in the calendar year pays first (Canada Life). Not the older parent. The earlier birthday, month and day.
Did you know about this? Plenty of parents submit to the wrong plan first and then wait weeks on a correction.
Teen cases carry their own timing and wear-time questions, and I've written those up in our Bloor West parents' guide to Invisalign for teens.
Does the tax credit lower what you pay for Invisalign?
It can, by less than most people assume. The Canada Revenue Agency lists orthodontic work, including braces paid to a dentist, as an eligible medical expense. Purely cosmetic procedures aren't eligible, so whether your own treatment qualifies depends on why it was done.
The credit doesn't hand back your whole bill. For the 2025 tax year, you claim only what you spent above a threshold. That threshold is the lesser of 3% of your net income or $2,834 (Canada Revenue Agency). The agency's own example uses a net income of $55,000, where 3% works out to $1,650, so only the spending past $1,650 counts.
The same CRA page notes it may be better for the spouse with the lower net income to make the claim.
I'm a dentist, not an accountant. Keep every receipt from your treatment year and have your accountant work out what the claim is worth to you.
What belongs in the budget before you sign anything?
Get the whole job into the number, not just the aligners.
Ask what happens if your case needs a short extra round of aligners at the end. Refinements are common, and with us they sit inside the quoted fee rather than arriving as a second bill. We cover what refinements are and when a case needs them separately.
Ask about retainers too. Teeth drift after treatment, so retainers belong in your plan from the start rather than turning up as a later bill.
Ask for the estimate in writing as well. The Royal College of Dental Surgeons of Ontario says estimates may include a range of low and high costs. It also says a dentist should only proceed with treatment once informed consent is obtained.
How do you get your own number?
Book the free consultation. The scan takes about 15 minutes, and you see the projected result on screen. You leave with a written fee and a monthly figure built around your coverage.
Some days the schedule pushes me, and even then we take the time to go through the money part properly. Nobody should sign a treatment plan they don't understand.
Have no fear.
Asking what something costs and how you'll pay for it is a normal question. I've answered it a few thousand times in about two decades in Bloor West Village, and I've never once thought less of anyone for asking.
Frequently Asked Questions
Q: How does an Invisalign payment plan work? The treatment fee is set at your consultation after a 3D scan, then divided into equal monthly payments that run across your treatment timeline. At The Village Dentist the in-office plan carries no interest, so the monthly amount is the total divided by the number of months. Invisalign starts at $3,800 here, which works out to about $158 a month over 24 months. That's an example off the starting price, not a quote for your case.
Q: Is there interest or a credit check on an Invisalign payment plan? Not on our in-office plan. There's no lender, no credit application and no interest, because the agreement sits between you and the practice. Third-party dental financing companies work differently: they run a credit check, set an interest rate, and hold the loan themselves. Ask which kind you're being offered before you sign.
Q: Do you need a down payment to start Invisalign? You pay a first instalment when treatment starts, then the rest month by month, with no separate lump-sum deposit on top of the fee. Ask any office three things before signing: who holds the agreement, what the interest rate is, and what happens if treatment finishes early. Those three answers tell you what you're agreeing to.
Q: Can insurance and a monthly payment plan be used together? Yes, and that combination is the normal case. Your plan pays its share of the treatment fee and you finance the balance, so coverage lowers the monthly number rather than replacing the plan. Many dental plans cover Invisalign the same way they cover braces (Invisalign Canada).
Q: What is a predetermination and why does it matter before you sign? A predetermination is your treatment plan sent to your insurer before treatment starts, so they confirm in writing what they'll pay. It matters because your monthly payment should be built on a confirmed balance rather than an estimate of what coverage might do. Ask for one before you sign a payment agreement.
Q: Can two family benefit plans both pay toward Invisalign? Often, yes. You submit to your own plan first and your partner's plan second. The two together won't reimburse more than 100% of the original claim (Canada Life). For a child covered under both parents' plans, the plan of the parent whose birthday falls earlier in the calendar year pays first.
Q: Can you use a healthcare spending account for Invisalign? Usually, if your employer offers one. A healthcare spending account gives you credits each year for eligible medical expenses your workplace benefits or provincial plan don't cover (Canada Life). Applied to orthodontics, it comes off the balance your dental plan leaves behind. Check your own plan rules for what qualifies and when the claim is due.
Q: Can you claim Invisalign on your taxes in Canada? Often yes, in part. The Canada Revenue Agency lists orthodontic work, including braces paid to a dentist, as an eligible medical expense, and excludes purely cosmetic procedures (Canada Revenue Agency), so whether yours qualifies depends on why it was done. For the 2025 tax year the credit applies only above a threshold, the lesser of 3% of your net income or $2,834 (Canada Revenue Agency). It trims the cost rather than refunding it. Your accountant can tell you what your own claim is worth.
Q: Does the Canadian Dental Care Plan help with Invisalign payments? No. The plan's coverage page says orthodontic services "are not available yet," with a specific range coming "at a date to be determined" (Canada.ca). So the Canadian Dental Care Plan pays nothing toward Invisalign or an Invisalign payment plan today. We explain the details in why the Canadian Dental Care Plan doesn't cover Invisalign.
Reviewed by Dr. Abinaash Kaur, B.Sc., DDS (University of Toronto Faculty of Dentistry), who opened The Village Dentist in Bloor West Village in 2005 and has been an Invisalign provider since 2008. This article is general information about paying for treatment, not financial advice and not a quote. Book a free consult for a written fee on your own case.
Want to know what your monthly number would be? We're at 750 Annette Street in Bloor West Village, serving the Junction, High Park, Roncesvalles and Baby Point. Book a free consultation with The Village Dentist. You'll leave with a 3D scan, a written fee, and a payment plan built around your coverage.
