I used Care Credit...it was my only option at the time. Surgery amount was $10,500. Interest rate is fixed at 10% and my payments are about $300 per month for 5 years. I am about 2 1/2 years post op and it is the best decision I have ever made for myself. By the time my surgery is paid off I should be more than ready for Full TT and some other things with the help of Care Credit! Good luck!!!