How Pet Financing Works

Getting financing for your pet's care is simple. Apply in just 2 minutes and get an instant decision with no impact to your credit score.

Apply Online

Complete our simple application in just 2 minutes from your phone or computer. No paperwork required.

Get Approved

Receive an instant decision. We use a soft credit check that won't affect your credit score.

Choose Your Plan

Select from flexible payment options including 0% APR promotional plans for 6-24 months.

Get Care Today

Use your approved amount immediately at any of our 11,000+ partner veterinary clinics.

What You Need to Know

📋 Application Process

Our streamlined application takes just 2 minutes to complete. Here's what you'll need:

Valid government-issued ID
Social Security Number
Annual income information
Bank account details

✅ Approval Criteria

We consider multiple factors to give you the best chance of approval:

No minimum credit score required
Soft credit check (no impact to score)
Income verification
Must be 18+ years old

💳 Payment Options

Choose the payment plan that works best for your budget:

0% APR for 6, 12, 18, or 24 months
Extended plans up to 60 months
No prepayment penalties
Automatic monthly payments

🏥 Using Your Financing

Once approved, using your financing is easy:

Show approval at participating vet
Available at 11,000+ locations
Use for any vet service
Reusable credit line

Eligibility Requirements

Meeting these basic requirements helps ensure a smooth application process.

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Age Requirement

Must be at least 18 years old to apply

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US Resident

Must be a legal US resident with valid SSN

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Income Source

Must have verifiable source of income

Payment Example

See how affordable pet care can be with flexible payment plans.

Treatment Cost $2,500

Payment Plan 24 months

Interest Rate 0% APR

Monthly Payment $104/month