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What You Need To Know About Optical Financing

Finding out that you need glasses can be a little discouraging. Not only because many of us who need glasses don’t realize that we need them, having adjusted somewhat to our poor vision over the years; but also because it’s another thing that we need to keep up with financially. Once you’re diagnosed with a visual impairment of any kind, even if it’s relatively minor, you’ll be locked into regular appointments with an eye doctor for the rest of your life, and you will need to invest in glasses or contacts for the foreseeable future. This is a major financial commitment. Though some may consider contacts, this isn’t an option for everyone due to various concerns about how they work or an inability to wear them effectively. They’re simply uncomfortable for a lot of people, and even if you do wear contacts sometimes, you will likely not be able to wear them all of the time. This means that you’ll also need to turn to glasses in order to ensure that your sight stays in the best condition possible. But glasses cost money, and they often aren’t cheap. It’s irresponsible and unwise to ignore your need for glasses for the long term. Your doctor has prescribed them to you for a reason. And the fact is that you actually don’t need to settle for cheap, ineffective glasses or ignore your need for them. There is a third option, and it is optical finance.

What Is Optical Financing?

Optical finance is essentially paying for your glasses in installments, rather than paying for them upfront. Many glasses manufacturers offer customer financing options, and this can be a lifesaver for those who need glasses but can’t afford to pay for them in full. Now, the price of your glasses will vary depending on how many pairs you’re buying, what kinds you’re buying, and the manufacturers from which you’re buying. When you are first prescribed glasses by your eye doctor, you may actually want to ask them or the office staff at their practice about which glasses providers they recommended, and see if they know about whether or not those providers also offer optical financing. Though it isn’t always an option, it’s becoming increasingly common due to both a growing need for glasses and a growing customer base that struggles financially. Essentially, this option allows you to get the glasses that you want and need without sacrificing quality.

I Have Bad Credit. Is Optical Finance Still An Option For Me?

If you have bad credit, you’re far from alone. There’s a reason why bad credit financing is growing within the United States. The fact is that countless Americans have bad credit, and many who do have good credit often don’t realize how good their credit really is due to the perception that everyone around them has better credit. A perfect credit score is 850, and though you may strive to reach that goal, the fact is that very, very few people do. In fact, FICO reports that less than 1% of the population has a perfect credit score. So you shouldn’t feel as if you need perfect credit or even near-perfect credit to qualify for optical financing. The fact is that many glasses manufacturers are working with people who need glasses, rather than wanting them; and they know that optical finance has to be an option for these people, or else they’ll never get the glasses that they require.

For that matter, rebuilding credit is also something that you can consider, and you may even be able to use optical finance as a way to rebuild your bad credit. The best way to rebuild credit is to pay off your debts and to make regular, on-time payments. If you approach your optical financing agreement with the right attitude and the determination to make full or oversized payments on time, you very well be able to improve your credit.

You need glasses, and you need high quality glasses. Don’t let your vision suffer because you think you can’t afford them. Ask about optical financing.

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