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Do You Need Braces?

Do you need braces?

Dental braces, or orthodontic braces, are used by orthodontists to correct and fix teeth imperfections, particularly misaligned and crooked teeth. Braces are also used to improve dental bite—which is essentially the “relationship” of the teeth between the upper and lower jaws.

In the US, according to, the cost for braces range from $2,000 to $4,000 for the first phase of the procedure. The second phase, which is when the braces are applied, can go up to $7,000. Other types of braces, like clear aligners, can cost more.

How do you know if you should invest in this kind of dental procedure or if your child needs it?

Here are three signs to look out for.

  1. You are bothered by imperfections. If you have a teeth gap that is bothering you, not just because of aesthetic reasons, but because it affects the growth of your other teeth, consult your dental professional. For young children, teeth imperfections mend themselves as they grow but check for other symptoms, like early loss of baby teeth, chewing or biting difficulty, and jaws or teeth that seem out of proportion, because it may signal a bigger problem. As a general rule of thumb, if in doubt about your teeth, ask an orthodontist.
  2. Your oral functions are affected. Misaligned jaws and teeth can cause a person to have difficulty chewing and eating. It can also lead to jaw joint problems, tooth fractures, abnormal tooth wear, and even periodontal trauma. Using braces can help provide a long-term solution to these dental health issues.
  3. You have an excessive overbite. Orthodontists say that overbite is normal, and in fact, it is hereditary. Severe ones can cause problems like gum disease and TMJ and can lead to poorly maintained oral hygiene. Correcting an overbite is usually easier among children. In adults, jaw surgery may be required.

Once you’ve finally decided to get braces, you may find that the cost is a bit prohibitive. While some dental insurance policies will cover a portion of the expenses, you will still have to shoulder costs like medications and your orthodontist’s professional fees.

An increasingly popular option for people who need braces but are hampered by the cost is dental financing. United Credit (UC) offers loans for braces with competitive interest rates and affordable monthly payments. It also has same as cash and interest-free financing options to help more people, even those with bad credit, gain access to quality dental care.

UC has more than a decade of experience in acting as an intermediary between patients and physicians as well as vendors. For more information on how to get fast and reliable financing for braces through UC, contact (888) 647-4333, send an email to, or visit the website,


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Jessica Payan

VP of Human Resources

As a certified Professional in HR (PHR), Jessica brings 10 years of HR experience to the United Credit team. She is responsible for managing the strategy and processes related to building and retaining an exceptional team of professionals. Jessica is passionate about supporting each employee to be their most successful and exemplifies our core values daily.

Aaron Mishkin


As Controller, Aaron manages the income and expenses of the Company and the incoming and outgoing loan funds with the utmost integrity. He is a lifelong learner with multiple degrees and certifications to his name and 25 years of working in financial services. Aaron’s reason behind being a part of the United Credit team is to make a difference in the Company and to his coworkers, our partners, and our customers.

Jorge Lazaro

VP of IT

Jorge works closely with cross-functional partners throughout the business to develop virtual experiences and oversees the IT team that keeps our platforms running smoothly. His goal is to provide an optimistic approach to the challenges we face while supporting our staff and partners with respect. With over 6 years of working for United Credit, Jorge brings a wealth of knowledge about our history and computer engineering.

Brett Walisever

VP of Strategic Accounts

Brett spearheads our business sales growth by identifying and supporting new merchants in partnering with United Credit. He has 10+ years of sales, contract negotiation, and market strategy experience that he brings to each new merchant and our team. His desire is to support the growth of United Credit and the merchants we serve through respect and collaboration.

Andria Sullivan

Chief Experience Officer

Andria is a seasoned leader with over 10 years of experience in providing world-class customer service and directing consumer finance processes. She oversees the tracking, reporting, and achievement of our company goals, long and short-term projects, and special initiatives. Andria is service-minded when it comes to collaborating internally and externally, and it shines through in every interaction.

Nate Moster

Chief Sales and Marketing Officer

As Chief Sales and Marketing Officer, Nate expertly drives revenue growth for United Credit by leading sales and marketing strategies across all channels. With over 20 years of experience working with global brands in various industries, Nate has a proven track record of boosting sales, expanding market share, and building strong relationships. His unique ‘right-brain + left-brain’ approach combines business acumen and strategic thinking with striking creative execution, ensuring United Credit’s sales and marketing efforts consistently deliver results for continued success.

Matthew Libman

Founder & President

Matthew is the President and Founder of United Credit. Matt founded fintech company United Medical Credit in 2011 to connect consumers and businesses with an array of experienced, innovative financing solutions. In 2022, the company grew and became United Credit, fueling an expansion into retail markets while retaining its expertise in specialty healthcare.

Since its founding, Matt has provided leadership for all aspects of the Company, emphasizing long-term growth while ensuring United Credit delivers value to its consumers, merchants, and business partners. The Company has risen in the fintech space as a preferred consumer financing partner under his tenure.

Matt is also an active member of YPO (Young Presidents’ Organization), the world’s largest leadership community of company chief executives.