Braces are draining my wallet😅

I have a question for anyone that has had braces..I have been saving for braces I have a good amount of money. I live alone with my baby and my baby's father. But We're only 16 & 18 I want to get braces but what do you need to get approved for monthly payments do you need credit? Or what did you guys do? Explain your process please! 😄