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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 Discover it® Cash Back credit card which has 15 months of no interest (after introductory period is over, an ongoing APR will apply). Plus the card offers 1% cash back on all your purchases, including dental work. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. There is $0 annual fee.

However, if you need cash because your dentist doesn't accept credit card payments, you can consider applying for a personal loan. When applying for a loan, you can request a specific amount. Once you qualify, funds can be posited to your account as fast as in two business days.