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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 intro APR (after the introductory period is over, then 18.24% - 27.24% Variable APR on purchases will apply). Plus, the card offers 1% cash back on all your purchases, including dental work and up to 5% cash back in eligible rotating categories (up to the quarterly maximum each time you activate). There is also no annual fee. If you need cash because your dentist doesn't accept credit card payments, you should consider applying for a personal loan.