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Many dental credit cards are like store cards, meaning they can only be used for dental expenses and often at specific providers only. Also, you should be careful when choosing a dental card, as sometimes they may also limit you to specific procedures or treatment.
Dental credit cards may offer promotional financing options for up to a year or even more. However, we encourage you to read the terms and fine print carefully, as promo financing options are tricky on dental credit cards. A typical dental card financing is a 0% deferred interest. That means, if you pay off your card balance before the promotional period ends, you won't pay any interest. However, if you have any balance remaining after the end of the promotional period, you will have to pay all the interest accrued from the first day of the purchase.
Having good or excellent credit, you should be able to qualify for a credit card that offers 0% promo interest on purchases for a year or longer. Unlike the deferred interest most medical cards offer, 0% intro APRs are not retroactive. Thus, if you're unable to pay off the entire balance before the promotional period is over, you'll need to pay interest on the remaining and new balance only.
For example, you can use the Discover it® Miles card to pay dental bills. The card comes with 15 months of a 0% Intro APR on purchases including medical and dental expenses (17.24% - 28.24% Variable APR after that). The card also offers a sign-up bonus, 1.5x Miles per dollar on all purchases, and no annual fee or foreign transaction fee.
If you want to borrow a specific amount, you may want to consider personal loans. You can choose the duration of the loan and request a specific amount (or a little more) during your application process. Still, the amount of the loan and interest rates will depend on your credit score and income. Once approved, the money can be deposited into your bank account as fast as within two business days.