CareCredit is another alternative for financing dental treatment. Application can be made by phone or online from your home or our office. Payment plans with no interest can be arranged for qualified patients for 3 to 12 months. Loans for 24 to 60 months can be arranged with an interest rate of 11.9%. Patients are cautioned to never miss a payment, however, since CareCredit reserves the right to raise the interest rate significantly if payments are late or missed.