You can apply for CareCredit by calling the toll-free number or on their website. Once you’re approved, you can use it as a credit card for your dental care. You can use it to pay for copays, deductibles, and costs not covered by insurance. That way you don’t need to use the money in your bank account to receive the care you need. CareCredit is a short term financing option that allows you to pay over the course of months rather than upfront. Terms last anywhere from six to 24 months. Best of all, the amount you borrow may be interest-free as long as you pay it in full within the allotted amount of time.

Initially, you’ll see a small dip in your credit score that goes along with any credit check, but it should disappear after a year. CareCredit will actually improve your credit score in the long run, as long as you use it responsibly and pay it back on time.

CareCredit is accepted at over 200,000 locations nationwide. You can use it to pay for out-of-pocket healthcare expenses such as dentistry, cosmetic procedures, surgery, even veterinary services, and many more. For more information, check out the CareCredit website.

CareCredit is more likely to approve people with a credit score of 623 or higher, however people with as low as 600 have been approved. To improve your chances, It helps to have low credit balances and fewer inquiries on your credit check.