Care Credit Care Credit is a card used to pay out-of- pocket health care expenses not covered by insurance. It is different from a regular credit card. It has extended financing options that you cannot get when you use a regular Visa or MasterCard.At Family Dentistry of Lowell, we participate with Care Credit’s short term financing option of 6 months at zero percent interest on charges of $200 or more. Long term financing options include 24-60 months at varying interest rates, where Family Dentistry of Lowell pays a portion of the interest.Care Credit is accepted by over 200,000 providers across the nation. Other out-of- pocket health care expenses at different locations can also be applied to Care Credit.