CareCredit is an option but understand the terms because you will pay all interest accrued from the first month of the loan if you do not pay in full during the period allotted. They hope you will do this as that's how they get paid.
Personal loan is another option. These generally come with high interest rates so if you have any assets to back it (e.g. real estate) you can get better rates. Again, missing payments will get you into a world of hurt so make sure you can pay it off.
If you choose either of the above options, you'll likely also need to shop around for a surgeon who offers affordable rates for those without insurance. They are rare, but do exist.
Finally you can shop around for a secondary insurance policy for which you'll have to pay out of pocket. Then you get to go through the dance of working to get them to approve it. Then you must hold onto that insurance until you have your surgery and probably afterward in case of complications. You'll generally have to have it for a year prior to approval or your condition will be considered "pre-existing."
