CareCredit Alternative For Dentist. CareCredit can come in handy for unexpected dental expenses, but not everyone is able to qualify. FinTech Group has designed a Care credit alternative that allows a Dental Practice to retain patients by providing a Care Credit “Turn-Down” option for patients who have been denied by care credit. The video below is an outline of our In-House Financing that gives the practice a way to provide the treatment plan without delay. We are not a care credit competitor, our CareCredit Alternative For Dentist provides an additional option for those that do not meet their criteria.