Get discount to pay in all early?

I have to chose a plan of dental financial plan. They gave me the option to pay in 18 months without interest, the final cost is $3995. So it will be around $220 per month. Or to pay in 60 months but the final cost will be $5880 and the month payment would be around $98. My income is limited so I rather pay $98 per... show more I have to chose a plan of dental financial plan. They gave me the option to pay in 18 months without interest, the final cost is $3995. So it will be around $220 per month. Or to pay in 60 months but the final cost will be $5880 and the month payment would be around $98. My income is limited so I rather pay $98 per month, so I have to pick the plan with the cost of $5880.
My question is. If in like 18 months I do have the enough to pay the whole thing I mean to pay the $3995, is it possible to the financial give me the discount and let me pay the $3995 instead (5880?
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