Care Credit offers zero interest for 12 months. Beware... I went to the Dentist 3 times for a total of $585. I paid $585 in 12 months. My balance is $321???? I set up auto bill pay thru them from day one. they say I have 4 lates for $160. and because of my lates I now have finance charges.. I see no late fees on my statement. Customer service is evasive, I filed a small claim against them and they avoided the certified letter of service. Last month They said I owed $318 when I thought I was paid off, I made a pmt of $25 to avoid them from saying I was late till we could get to court and now my Balance is #321 Looks like I'm getting hit with $28 per mo interest on a no interest loan..