Do Vets Do Payment Plans?

The short answer to this question is yes. Most vets will work with you to set up a payment plan for any procedure or medication that your pet needs. However, some vets prefer to not accept payment plans at all, so it’s important to ask before making an appointment. If you are told that they do not accept payment plans, but still want to use them, consider asking if they have a referral service that can help you find a vet that does accept them.

Do vets offer a payment plan

Financing veterinary care

The sad truth is that many people are not able to pay for their pet’s care all at once. This can be due to a variety of reasons, but the most common is an unexpected financial problem, such as an unforeseen medical issue or job loss. There are many options available for people looking for vets that accept payment plans near them.

If your veterinarian does not accept payment plans, you can ask if they would be willing to work with financing companies. These companies can help you come up with a payment plan that works for both you and your vet. There are many different options available when it comes to financing veterinary care, including:

1. Credit cards

While credit cards can be an easy way to pay your vet bill, they also come with high-interest rates and fees. If you use a credit card to pay off a bill, be sure to pay off your balance in full by the next billing period. Otherwise, you’ll have to pay interest on the amount you owe from the date of purchase until the date you pay it off. That could cost hundreds or even thousands of dollars in extra interest payments over time.

2. CareCredit

CareCredit, a credit card company that allows pet owners to finance their veterinary expenses, has a line of credit available specifically for medical care. CareCredit can be used to pay for anything from regular checkups and routine vaccinations to surgery and dental care. You can apply online, over the phone or at a participating veterinarian’s office. The card is accepted by more than 80% of veterinarians nationwide and is easy to use.

It offers interest-free financing for 6, 12, 18 and 24 months on purchases over $200 (for shorter-term financing) or over $1000 (for longer-term financing). Once approved, you’ll receive a credit card that you can use at the vet clinic.

3. AccessOne MedCard

AccessOne MedCard is a healthcare credit card that offers no interest with payments spread over 12 months. It’s accepted by over 160,000 providers nationwide, including veterinarians and dentists. You can apply online and will receive approval in just minutes.

The company has an A+ rating by the Better Business Bureau and offers a wide range of terms and conditions, including no interest if paid in full within 12 months. There are no annual fees or penalties for late payments on this card either, making it an ideal choice for those looking for an affordable option without paying any extra fees or penalties along the way.

4. Wells Fargo Health Advantage

Wells Fargo Health Advantage is a credit card designed for healthcare expenses and treatments. It offers interest-free financing for 6 and 12 months on purchases of $500 or more (longer terms are available for higher purchase amounts). Once approved, you’ll receive a credit card that you can use at the vet clinic.

5. The Citi Health Card

The Citi Health Card is a general-purpose credit card that allows you to finance eligible healthcare expenses over time. You can use the card to pay for everything from prescriptions to medical procedures and even travel-related expenses.

6. Vetbilling

Pet owners may be able to obtain financing through Vetbilling. Vetbilling offers financing plans to cover the cost of veterinary care. The company offers plans with monthly payments and no credit check required, making it easier to get the money you need. You simply fill out an application online or over the phone and Vetbilling will give you an answer within minutes.

7. Scratchpay

The Scratchpay program is open to anyone who owns a cat or dog, and it does not matter where you live. It also does not matter what breed of pet you own, as long as your veterinarian accepts this program. When you go to get your pet treated at the vet clinic, you can use this payment system to pay for their medical bills.

The Scratchpay program is great for people who are on a limited income or even those who just have a hard time managing their money. With this program, you can get financial assistance with paying your vet bills without having to worry about getting behind on payments or having your credit damaged because of unpaid bills.

Please note: This list is maintained for informational purposes only and is not meant to be comprehensive. Please consult your veterinarian and financing companies before making any decisions.

My pet is sick and I have no money

When faced with large, unexpected veterinary bills, many pet owners are wondering where they can turn for help. We’ve compiled a list of places that offer financial assistance to those in need:

1. Brown Dog Foundation

Brown Dog Foundation offers financial assistance to pet owners who have exhausted all other options and are faced with the possibility of having their pets euthanized because of a lack of funds. They offer limited grants to families with serious economic hardship.

To receive funding, the veterinarian must be registered with this organization and the pet owner must submit an application. For more information, visit

2. FACE Foundation for Animals

FACE Foundation for Animals helps those who have lost their jobs or experienced a sudden illness and need help covering veterinary costs for their pets. FACE does not require an application process but does review each request individually and will contact your veterinarian directly to discuss payment options. For more information about eligibility requirements and how to apply, visit

3. Magic Bullet Fund

The Magic Bullet Fund is a non-profit organization dedicated to raising funds for the purpose of providing financial assistance to families unable to afford the treatment that would save their pet’s life. They assist dogs and cats suffering from cancer and other life-threatening illnesses or injuries.

4. The Pet Fund

The Pet Fund is one of the largest nonprofit organizations that offers financial assistance grants to pet owners who need help paying vet bills or other expenses related to owning a pet. It also has a referral service that can help connect you with local organizations that provide grants or loans specifically for veterinary care.

5. Rescue groups

Rescue groups are often a great source of financial aid. They are generally very familiar with the needs of animals and can often help you find affordable solutions for many of the problems you may have.

6. RedRover

RedRover is an organization dedicated to helping animals in crisis, including those that need urgent veterinary care. If you’re seeking financial assistance for paying vet bills, you can apply for a grant from RedRover.

Additionally, the RedRover offers financial assistance and resources within the United States and Canada. Their major focus is on helping victims of domestic violence escape abuse with their pets. However, they also provide help with pet boarding in emergency situations, such as homelessness.

7. Humane Society

If you find yourself in a situation where there isn’t any way to afford the medical care your pet needs, the Humane Society has a list of options for financial assistance, including links to various charities that can help. Many of these are rescues and shelters that may be able to provide funds or other resources to get you the treatment your pet needs.


The ASPCA offers a list of resources that includes charities, foundations, and other organizations that offer grants and financial assistance. There are also some programs that provide services directly to pet owners who qualify.


The American Animal Hospital Association (AAHA) also runs an organization called “Helping Pets Fund.” It’s a program that provides grants to help pay for veterinary care when an owner experiences unexpected hardship due to illness, injury, or disaster.

10. Veterinary Care Charitable Fund

One organization, the Veterinary Care Charitable Fund (VCCF), provides annual grants to veterinarians to treat animals whose caretakers cannot afford treatment costs as well as emergency assistance for pets with life-threatening conditions.

11. Care Credit

Care Credit is a credit card that allows you to put any medical expenses on the card and make monthly payments. Care Credit is accepted at many vets, hospitals and urgent care facilities. The application process is simple, and the cards arrive in the mail within one to two weeks. Once you receive the card, you can begin using it immediately.

12. VetBilling

VetBilling is another option for those who need help paying veterinary bills. This service offers loans from $500 to $40,000 and works with veterinarians across the country, so it’s likely that your vet will accept VetBilling payments or know of this service and can recommend it to you.

13. Crowdfunding Sites

We’ve all seen people raise money on sites like GoFundMe, but did you know that those donations don’t have to be just for people? You can set up a fundraising campaign specifically for your pet and their needs, potentially reaching a wide network of animal lovers who want to help out if they can.

What happens if I can’t pay my vet bill?

If you’re not able to pay for your pet’s care at the time of service, it’s likely your veterinarian will accept some sort of payment plan in exchange for the services already rendered. Depending on the situation and the vet, there can be different levels of flexibility regarding these arrangements.

If you cannot pay the bill in full and have not made arrangements for payment, the veterinarian may refuse to release your pet.

Your options will depend on where you live and whether there are any laws governing what veterinarians can do when they suspect that an owner can’t pay his bill. Some states allow veterinarians to place liens on pets as security for unpaid bills; if this happens, it could take months before your pet is returned to you.

Conclusion of veterinary financing

Veterinary financing is available to help you get the care your pet needs. There are many options out there, including CareCredit and Scratchpay, that you can use to help finance your pet’s care. It’s important not to wait until an emergency happens to learn about your options for financing—build a relationship with your veterinarian ahead of time so you know what your options are before an urgent situation arises.

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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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