This company is a rip off! I had dental work done and my dentist recommend this company called care credit. It was promotional, no interest for the first year. After 3 months they charged me interest and back charged me $1500.00 on top the loan amount. No explanation has been given to the reason as why this has happened. I've been paying this loan on time and now that the loan amount is getting lower they decided to wack me with a 30% interest rate increase and back charged the interest rate for the full amount of the loan. Again no explanation has been given as to why they did it. This company is a scam and once you have a loan and/or credit with them it will not go away even after you pay it off. STAY AWAY FROM THIS COMPANY!!!