Petvetpay
Free to check. Not all applicants qualify.
- Entering an amount and ZIP here does not involve a credit inquiry.
- Each lender sets its own rates, fees and terms.
- You choose whether to accept anything. No obligation.
Itemized, roughly
What a vet bill can include
Clinics price care in different ways. Ask your vet for a written estimate, then look at funding with a number in mind.
Emergency visit
After-hours exams, imaging, fluids and an overnight stay can add up the same night.
Surgery
Anesthesia, the procedure, pain medication and follow-up visits are often listed as separate lines.
Dental care
Cleanings under anesthesia, X-rays and extractions vary with the size and age of your pet.
Ongoing care
Prescription food, medication and repeat checkups for a long-term condition arrive month after month.
TotalDepends on your pet, your clinic and your area
How PetVetPay works
Three short steps, and the last one is yours
Choose an amount
Pick the amount closest to your estimate. A lender may offer more or less.
Add your ZIP code
Lenders serve different states, so your ZIP helps match you with ones that may serve your area.
Review, then decide
If a lender is a fit, you may see an offer. Read the full terms before you accept anything.
Side by side
Ways pet owners cover a vet bill
A lender offer is one option among several. Here is how they usually compare, so you can pick what suits your situation.
| Option | How it often works | Worth asking |
|---|---|---|
| Clinic payment plan | Some clinics let you split a bill into a few payments. | Does the clinic offer one, and is a deposit needed? |
| Pet insurance | Pays back part of covered costs after you pay the clinic. | Is this condition covered, and what is the waiting period? |
| Savings or a card you have | Uses money or credit you already hold. | What is the interest rate on the card balance? |
| A lender offer What we help with | A lender may offer a set amount, repaid over a set term. | What is the APR, the total cost and any fee? |
Questions
What pet owners want to know
Does it cost anything to check?
No. Checking your options through this site is free. Any lender you choose to work with sets its own fees and terms.
Will I get an offer?
Not all applicants qualify. Whether you see an offer depends on the lender, your state and the information you provide.
Does the money go to my vet clinic?
That depends on the lender. Many send funds to your bank account, and you pay the clinic yourself. The offer explains how and when funds are sent.
Will this affect my credit?
Entering an amount and ZIP here does not involve a credit inquiry. If you continue with a lender, it may run a soft or hard inquiry, and it should tell you which.
Is PetVetPay a lender or a vet?
Neither. It is a free service that helps you compare offers from lenders. It does not make credit decisions and does not give veterinary advice.