There's something called CareCredit that you can use and a lot of the time they will run specials like 90 days same as cash or for big purchases 180 same as cash. We used it in the eye care office I used to work in and it's like a credit card. You use it for dental or vision and it makes having those things done easier. You don't have to depend on the dentist to work out the arrangements. My son needed extensive work done and they wanted a 1/3 down and then payments on the rest. You get what you negotiate. Ask!