My job doesn't offer insurance and I need dental work done?!

I am 20 years old and don't have very much money. I need dental work done, specifically a dental implant. I called my usual dentist for an approx. amount and it was a few thousand since I don't have insurance. They have a payment plan but you have 3 months to pay them back and I don't want to do a credit card where you are paying even more for interest and the fee for the dentist. I don't know what I should do, any suggestions help!