CareCredit offers a full range of payment plans. Our 6 and 12 month No Interest* payment plans feature monthly payments as low as 3.5% of the balance and let you pay within the specified time without incurring interest charges. Simply make your minimum monthly payment and pay off your entire balance during the agreed upon time period, and you’ll pay no interest. Interest will be charged to your account from the purchase date if the promotional balance, including optional charges, is not paid in full within 6 or 12 months or if you make a late payment. Minimum monthly payments are required.