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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 introductory period is over, then 17.24% - 28.24% Variable APR on purchases will apply). Plus the card offers 1% cash back on all your purchases, including dental work. Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants and more up to the quarterly maximum, each time you activate. There is no annual fee. So if you need cash because your dentist doesn't accept credit card payments, you should consider applying for a personal loan.