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GoTo Optical

See every payment plan, side by side

Enter your amount and answer two quick questions. We’ll estimate what each of our financing partners would cost — so you can compare in one place and pick what fits.

5 Dallas locationsNo obligation to compareBilingual team
$100$6,000+
Quick picks:

Not sure? Pick the closest — no-credit-check options are shown regardless.

Affects the monthly financing options. Pay-in-4 plans are always 4 payments.

Estimated payments for a $800 purchase. Tap a card to get your real, no-obligation rate.
Lowest total cost
CareCredit

CareCredit

$66.67
/mo for 12 months
Total you pay$800
No added cost vs. $800
0% if paid in full

0% promotional financing if the full balance is paid within 12 months. If not, deferred interest (~26.99% APR) is charged back to the purchase date.

Get your real rate
Cherry

Cherry

$70.33
/mo for 12 months
Total you pay$843.95
+$43.95 over the $800 price
~9.99% APR est.

Estimated at ~9.99% APR for this credit range. Final rate is set at approval. Max term 24 months.

Get your real rate
American First Finance

American First Finance

$73.34
/mo for 12 months
Total you pay$880.08
+$80.08 over the $800 price
~17.99% APR est.

Estimated at ~17.99% APR for this credit range. Also offers lease-to-own for limited credit. Final terms set at approval.

Get your real rate
Acima

Acima

No credit check
$120
/mo for 12 months
Total you pay$1,440
+$640 over the $800 price
No credit check

No credit needed. Lease-to-own costs more than the cash price over the full term. Early purchase (~90 days) costs about $840. Estimate only — actual lease terms vary by state.

Get your real rate
Afterpay

Afterpay

No credit check
$200
× 4 payments, every 2 weeks
Total you pay$800
No added cost vs. $800
0% interestNo credit check

Split into 4 interest-free payments over about 6 weeks. First payment due at purchase. Available at checkout, in store.

Set up at checkout

Want help choosing?

Our team will walk you through the options and find the plan that fits your budget — in store or over the phone.

Book an appointmentCall (214) 550-5005

Payment amounts shown are estimates for illustration only and are not an offer of credit or a guarantee of approval. Actual rates, terms, fees, and monthly payments are determined by each financing provider based on your application, creditworthiness, the amount financed, and applicable state law, and may differ from the estimates above. Lease-to-own plans cost more than the cash price over the full term. Please review each provider’s agreement before signing. GoTo Optical is not a lender.