Pet financing allows you to pay for veterinary care through flexible monthly payments instead of paying the full amount upfront. This includes options like 0% APR promotional plans for 6-24 months, making it easier to afford necessary care for your pets without financial stress.
To be eligible, you must be at least 18 years old, a legal US resident with a valid Social Security Number, and have a verifiable source of income. There's no minimum credit score required - we consider multiple factors when making approval decisions.
No, pet financing is different from pet insurance. Pet insurance requires monthly premiums and reimburses you after paying for care. Pet financing is a payment plan that allows you to split the cost of care into manageable monthly payments, which can be used alongside or instead of insurance.
Application Process
No, checking your rate uses a soft credit inquiry which does not impact your credit score. You can see your options risk-free. Only if you accept and finalize a financing plan may a hard inquiry be performed, which could have a minor, temporary impact on your score.
Most applications receive an instant decision within 2 minutes. Once approved, you can use your financing immediately at participating veterinary clinics - perfect for emergencies when time is critical.
You'll need: a valid government-issued ID, your Social Security Number, annual income information, and bank account details for payment setup. The entire application can be completed online in about 2 minutes.
If you're not approved for the full amount, you may still qualify for a partial amount or different payment terms. You can also reapply after 30 days if your financial situation changes. Remember, checking your rate doesn't affect your credit score.
Payments & Plans
We offer 0% APR promotional plans for 6, 12, 18, or 24 months on qualifying purchases. Extended payment plans are available up to 60 months with competitive fixed rates starting at 9.99% APR, depending on your credit profile and the amount financed.
No, there are absolutely no hidden fees. There are no annual fees, no application fees, and no prepayment penalties. The terms you see at approval are exactly what you'll pay - no surprises.
Yes! There are no prepayment penalties. You can pay off your balance early at any time without any additional fees. For 0% APR plans, paying off the balance before the promotional period ends means you pay no interest at all.
Payments are automatically withdrawn from your bank account on your scheduled payment date each month. You can also make additional payments or pay off your balance early through your online account portal at any time.
Using Your Financing
Pet financing can be used for any veterinary expenses including emergency care, surgeries, dental work, routine checkups, vaccinations, medications, specialist treatments, diagnostic imaging, and more. If your vet offers it, you can likely finance it.
Financing is accepted at over 11,000 veterinary clinics nationwide. You can ask your current veterinarian if they accept payment plans, or contact us to find participating providers in your area.
Yes, your approved financing amount can be used for any of your pets at participating veterinary clinics. There's no limit to the number of pets covered - dogs, cats, and other animals are all eligible.
Yes! Your financing works as a reusable credit line. As you pay down your balance, that credit becomes available again for future veterinary needs. You don't need to reapply each time.
Still have questions?
Our support team is here to help you find the answers you need.