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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 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.