1
In checkout, choose SmilePay
It sits alongside Shop Pay and CareCredit under payment options. Discount codes can't be combined with SmilePay, so leave the code field empty.
Powered by Varidi
Your new smile, split into monthly payments
SmilePay lets you split the cost of treatment for a flat service fee — no interest, no credit score cutoff. Everyone is approved. If other buy-now-pay-later options didn't work out for you, this one will.
- 0% APR
- 100% approval
- No hard credit check
Buy now, pay later
Three ways to split it. One that always says yes.
All three can be selected at checkout. ShopPay, Affirm, AfterPay, & Klarna depend on a credit decision — SmilePay doesn't. If you're not sure that you’ll qualify for the others, choose SmilePay.
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Everyone approved
Powered by Varidi
- APR
- 0%
- Approval
- 100%
- Flat service fee instead of interest — typically $275, then $89/mo for 20 months
- Best if other BNPL options declined you
- Application completed right after your order
Not available with discount codes. Income under $12k/yr may require a down payment.
Choose SmilePay at checkout -
Installments through ShopPay
- APR
- 0% – varies
- Approval
- Credit-based
- 0% APR when you split over a short number of months
- APR rises with longer terms
- Best with a Shop account and strong credit
Sign in to Shop at checkout to see your offer.
Choose Shop Pay at checkout -
Buy now, pay later
- APR
- 0% – varies
- Approval
- Credit-based
- Higher approval rate
- APR determined by your credit
Already a user? Just select it at checkout.
Choose Affirm at checkout
2 million smiles transformed.
Our tele-dental technology has been proven over and over. Order your Aligners and start your journey below
How it works
Order first, apply after. The whole thing takes a few minutes.
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Add your treatment to the cart -
Select SmilePay at checkout -
Complete your order -
Finish the Varidi application -
Monthly payments begin — treatment ships
What you'll see
Two screens, and you're done
Pick SmilePay as your payment option in checkout. Once your order is placed, you'll be prompted to complete the SmilePay application — powered by Varidi.
2
After ordering, complete the application
You'll be prompted right after your order confirmation. Everyone is approved; if your income is under $12k per year you may be asked for a down payment.
Less than braces.
Paid like a phone plan.
Straight from the numbers: SmileSet costs a fraction of traditional braces, and SmilePay turns that into a monthly amount most budgets can absorb.
| SmileSet | Traditional Braces | |
|---|---|---|
| Affordable pricing | $1,395 | $5,000+ |
| No office visits required | Yes | No |
| Doctor oversight | Yes | No |
| Patented comfort edge | Yes | No |
| 30-day money back guarantee | Yes | No |
| FSA/HSA eligible | Yes | No |
| Nighttime option | Yes | No |
| Price | $1,395 | $5,000+ |
| Office Visits | None required | Monthly |
| Treatment Time | 4–6 months | 18–24 months |
| Visibility | Nearly invisible | Metal visible |
| Doctor Reviewed | Yes | Yes |
FAQ
SmilePay,
answered
Still deciding? Book a free 15-minute consult and an expert will walk you through your payment options.
Is SmilePay really 0% APR?
Yes. There's no interest on your monthly payments. Instead of interest, you pay a one-time service fee up front — typically $275 for a full Aligner Treatment.
Will I be approved?
Everyone is approved; if your income is under $12k per year you may be asked for a down payment.
Can I use a discount code with SmilePay?
Discount codes can't be combined with SmilePay, so leave the code field empty.
When do I apply?
Order first, apply after. You'll be prompted right after your order confirmation.
What if Shop Pay or CareCredit declined me?
ShopPay, Affirm, AfterPay, & Klarna depend on a credit decision — SmilePay doesn't.
Does the service fee change?
Typical terms. Service fees depend on your cart total.
Customers are smiling about the benefits
See why people choose SmileSet to start and manage their smile journey from home.
reviews
Rated 4.1/5 on
Exceptional customer service!
I haven’t received my SmileSet kit yet, but I already have to commend the customer service I’ve experienced so far! I had received a promotional discount code that unfortunately landed in my junk folder, so I didn’t see it until after I had already placed my order. I reached out to customer support, and without hesitation, they honored the discount and made the entire process completely seamless. I couldn’t have been happier with how they handled it. I’m really looking forward to gifting my wife her SmileSet, and I hope the rest of the experience is just as wonderful as the customer service has been so far!
Exceptional Customer Service
I've had such a great experience with Smile Set! The company is wonderful to work with, and I really appreciate how much they care about their customers and their overall experience. I especially want to recognize Arnie from customer service. From the very beginning, Arnie was incredibly kind, patient, and genuinely helpful. You can tell when someone is simply doing their job versus when they truly care about making sure a customer has a good experience and Arnie definitely went above and beyond. She took the time to listen, answered all of my questions, and made what could have been a stressful situation feel easy and reassuring. I truly appreciated how responsive, understanding, and thoughtful she was throughout the process. She made me feel heard and valued as a customer, which is something that really stands out. Customer service like this makes such a difference. Arnie is a huge asset to Smile Set, and I hope the company knows how much her kindness and professionalism are appreciated. She genuinely made my experience better, and I’m so grateful for her help. Thank you, Arnie, for making my experience such a positive one!
I was a bit late but Maria was
I was a bit late but Maria was wonderful, very nice and professional. She was quick and very knowledgeable.
Start today for $275 —
then $89 a month
0% APR, everyone approved. Pick SmilePay at checkout and finish the application after your order.
- 100+ patents
- FDA-Cleared
- 2M+ Happy Customers
- BPA-Free Materials