The interest rate is very high, yes. But, you get at least 3-12 or more months, depending on the amount of your purchase, to pay your balance off with no interest at all. I originally got CareCredit when I needed some dental work done, I think they put the amount of the service in, which was like $700 or so, but they also asked for my income and I was approved for a $3,000 limit.I looked into this for Gimli, but when I searched online they stated a 27% interest rate. Did I read wrong? They also wanted the amount needed, and I didn't know because his bill is ongoing....and seemingly never ending.![]()