Credit Cards for Vet Bills

Maybe you have large vet bills to pay and you need a payment plan that accepts credit cards. But do vets offer payment plans with credit cards?

Do vets offer a payment plan with credit cards

Do vets offer a payment plan with credit cards?

Yes, vets do offer payment plans with credit cards. Like shopping on Amazon, you can use your credit card as a cash advance to pay for your vet bill.

The cards are actually issued by a third-party company such as CareCredit, Scratchpay, WellsFargo, etc. The card will be used to pay for the vet services, and you’ll repay the balance to the credit card issuer.

Some credit cards also have 0% APR financing options which allow you to pay off the balance over time without interest.

The payment plans are issued by companies that have a large network of providers. So if you’re looking to find a vet that accepts payment plans, you can ask your vet if they accept CareCredit or Scratchpay. If they don’t then you can look for other vets in your area that do accept those payment plans.

If you do not have any of these options available through your credit card company and/or bank, some veterinary hospitals will take monthly payments directly from your checking account or allow you to make payments online using a third-party payment service.

Please check with your veterinarian’s front desk staff to see what options they offer.

Can you pay vet bills monthly?

Most veterinarians will allow you to make monthly payments for veterinary care. For example, if your pet needs surgery that costs $5,000, you can ask the veterinary hospital if they offer a payment plan that allows you to pay off the bill over time.

CareCredit is a form of credit specifically for veterinary hospitals. It works in much the same way as any other credit card. You can either apply online or at your veterinarian’s office and, if approved, you can use it to pay a portion of your bill each month until your balance is paid off. Some hospitals may also be willing to accept other major credit cards.

One way to pay for your vet bills would be to get a personal loan. With a personal loan, you borrow a lump sum and repay it over time on a fixed schedule.

Personal loans come with lower interest rates than credit cards, so they’re a good option if you’re not able to pay off the balance quickly. They also let you borrow more money than most credit cards. The downside is that it can be difficult to qualify for one unless you have good credit.

Why do vets charge so much?

You are paying for the skill and training of the veterinarian, not just the act of getting an injection or whatever.

They have a lot of overhead costs too. To be frank, veterinary hospitals are expensive to maintain and run. They have a lot of equipment that needs to be kept in good working order (because we don’t want our pets getting sick from contaminated or broken instruments), and they need to comply with strict regulations and laws regarding storage, handling, and disposal of medications and other drugs.

We know it’s not easy to come up with the money when your pet is sick or injured. But even if your pet doesn’t need medical care at the moment, it would be wise to set aside some money into a savings account just in case something were to happen. That way you won’t have to worry about where the money will come from if your pet does get sick or injured unexpectedly.

Financial assistance for vet bills

Vet bills can be expensive and take a toll on your finances. Fortunately, there are some organizations that offer financial assistance for vet bills.

The Brown Dog Foundation

The Brown Dog Foundation is a nonprofit organization dedicated to helping pet owners pay for emergency veterinary care. They offer grants to families who are unable to afford the cost of their pets’ care, even after considering all options including payment plans and care credit, and whose pets face euthanasia or suffering without treatment. The process is completely online, so you can apply from anywhere in the country at any time. Grant amounts vary per case and are paid directly to the veterinarian’s office on approved applicants’ behalves.

RedRover Relief

RedRover Relief offers funding for vet bills for those who qualify through their emergency medical grant program, which provides up to $300 in assistance per animal emergency (grants are not available for routine vet visits). Their emergency medical grants are available to people whose pets have been victims of domestic violence, natural disasters, and more.


The CareCredit credit card is used exclusively for healthcare services. It offers no-interest financing and flexible payment plans so you can get your pet the treatment he needs today, then pay for it over time.


Scratchpay offers simple payment plans with no hidden fees or pre-payment penalties. Our patients are approved within seconds with no application fees or down payments required. Once approved, you can pick the plan that fits your budget and sign up!

Fundraising sites

Sites such as GoFundMe and FundRazr let donors contribute to your cause. Start by writing a compelling story about your pet and exactly how much you need to raise, then share the link with everyone you know on social media.

Local charities and non-profits

Many cities have local non-profit organizations that provide financial assistance for veterinary care. The Human Society also has a list of national charities that offer financial aid for pets in need of emergency vet care.

What happens if I can’t afford the vet bill?

If you can’t afford your vet bill, talk to the vet and see if you can set up a payment plan. Some vets will let you pay in installments. If this doesn’t work and you believe your pet needs the treatment, you may have to consider remortgaging your house, taking out a loan, or even putting your pet to sleep.

It’s always worth talking to your vet about any costs that are not covered by insurance. You may be able to negotiate a price or find out if it is possible to treat the condition at home or with cheaper medications or treatments.

Ask family members or friends for help. Many people would be willing to contribute if they knew that it would help save their friend’s beloved pet from suffering or death. You may also want to consider holding a fundraiser such as a bake sale or car wash to raise money for your animal’s medical care.

Conclusion of credit cards for vet bills

Overall, a credit card can be a good way to pay for your vet bills. You can spread the cost over several months and avoid paying interest if you repay the balance in full. You may also be able to get a 0% deal that allows you to borrow interest-free for a period of time.

In addition to these benefits, many credit cards offer rewards and cashback on purchases. These could add up to help fund future vet bills, or put towards another expense for your pet.

If you have enough savings to cover the bill, it’s still worth considering using a credit card anyway – as the potential rewards may outweigh any interest charges you’ll have to pay on your savings.


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Hannah Elizabeth is an English animal behavior author, having written for several online publications. With a degree in Animal Behaviour and over a decade of practical animal husbandry experience, Hannah's articles cover everything from pet care to wildlife conservation. When she isn't creating content for blog posts, Hannah enjoys long walks with her Rottweiler cross Senna, reading fantasy novels and breeding aquarium shrimp.

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