You can always get credit, the only question is how much will it cost.

If you’re asking why does Best Buy offers credit cards and your dentist doesn’t, it’s because Best Buy might not get your sale. They want you to see the product and buy the product and if you don’t have the money they want you to borrow the money without leaving the store. It’s all about reducing friction between your wallet and their register.

Your dentist doesn’t need to reduce those obstacles to purchasing. You need dental work, and they bill you. If you can’t pay, that’s a you problem.