If your dentist accepts credit cards, you should consider applying for a card with a 0% interest introductory period. For example, you can apply for the your first year card which has 14 months of no interest. Plus the card offers 1x rewards on all your purchases, including dental work. There is no annual fee and no over-the-limit fee. So if you need cash because your dentist doesn’t accept credit card payments, you should consider applying for a personal loan.