You should of gotten a printed copy and the truth in lending discloser. Any loan agreement should be read by over a couple of days. Use google to define any term you do not understand.

Plus its almost cheaper to finance dental thru a Credit Union loan. You can try refinancing loan at a CU before the next interest charge kicks in.

You can join a credit union by openings an account. Most CUs cover anyone who lives in a geographic area now instead of just one employer. But many have kept their founding employers name. Call the CU to see who is allowed to join