How Financing Benefits
Veterinary Practices and Their Clients

Enjoy $0 Vet Practice or Animal Clinic Fee Options!

Offer the lowest payments for large vet bills or dog services, easy and simple!

Pet and Dog Surgeries, Treatments & Vet Services

Pet Surgery

Spay and neutering, Surgical procedures, Hip dysplasia surgery, Dental extractions, Benign skin growths, Tumor removal and more

Emergency Pet Care

Accidents, Sudden medical emergencies

Veterinary Care

Annual check-ups, Teeth cleaning, Medications, X-Rays and Labs Work, Diagnostics, Parasite removal, Vaccinations, Chronic Disease or Condition Treatment and more


Offer Veterinary Financing to Your Patients

Caring for our furry companions is a responsibility we hold dear, but the cost of veterinary services and treatments can sometimes be a challenge. However, there are effective strategies to make pet healthcare more accessible and affordable. As a veterinary professional and business owner, offering pet financing to your clients can be a game-changer. With a range of financing options available, choosing the right approach for your practice is essential. In this guide, we will provide valuable insights on pet care and financing, empowering you to make informed decisions that benefit both your patients and your practice.

What is pet health financing?

Pet health financing is a way for pet owners to finance the cost of their pets’ medical procedures and treatments over time. The cost of veterinary care has been on the rise in recent years, and this type of financing can help pet owners cover the cost of treatments that their pet may need, but that they may not be able to afford.

The Benefits of Pet Financing with PowerPay

There are a number of benefits that both pet owners and veterinarians can enjoy when using PowerPay for pet financing.

  • Low-interest rates and no pre-payment penalties: the cost of veterinary procedures can be spread out over time without having to worry about added interest fees or penalties.
  • Flexible repayment options: pet owners can choose to make weekly, bi-weekly or monthly payments. This flexibility makes it easier for pet owners to budget for their pets’ medical expenses and also helps to build loyalty with your veterinary practice.
  • No hidden fees or costs: all of the fees associated with the loan are disclosed upfront so there are no surprises down the road. In addition, PowerPay offers a quick and easy application process that can be completed online or over the phone.
  • Soft credit pulls that do not affect credit score when applying for a loan.

How it Works

Vet practices and animal hospitals partner with financing companies like PowerPay to provide convenient payment options for pet owners in need of surgical or other necessary treatments for their beloved companions.

Here’s how the process works: When a pet requires treatment that exceeds $500, either the veterinary practice or the pet owner can reach out to PowerPay to initiate the financing process. PowerPay collaborates closely with the veterinarian or customer to gather all the essential information, including treatment cost, the pet’s details such as name and date of birth or adoption.

PowerPay creates a customized loan for the pet owner, which can be directly applied towards their veterinary bill. Once the loan is approved, PowerPay disburses the funds directly to the veterinary practice, clinic, or hospital, ensuring the bill is paid in full. The pet owner then repays the loan over time, either through monthly installments or as a single payment to PowerPay, providing flexibility and convenience.

With PowerPay’s straightforward and streamlined process, pet owners can easily manage the financial aspects of their pet’s care while ensuring they receive the necessary treatments promptly. By collaborating with PowerPay, veterinary practices and animal hospitals can offer an enhanced level of service and support to their clients, fostering the well-being of pets and peace of mind for their owners.

Win More.

help patients get the procedures they want by offering lower monthy payments

Keep More.

stop paying fees to banks and finance companies

Earn More.

no more compromising on price – upsell the procedure your patient really wants


of Americans have less than $600 in savings.


of veterinary service offices including practices, clinics & even animal hospitals report financing increases their average sale.


of borrowers feel financing allows them to afford the large surgeries and procedures their dogs & other pets need.

Introducing Concierge

Our newest service, PowerPay Concierge, was developed to help veterinarians & animal specialists, clinics and hospitals maximize their consumer financing program. Having worked with over 6,000 merchants and thousands of borrowers, we took the most effective techniques and built a team that handles all aspects of a loan from application to funding.

Your concierge is your own personal finance manager that will help you sell, process, and close every one of your loans. This free program is available to practices that don’t have a finance team but know the value and importance of consumer financing.

What services and procedures can be financed?

Any service or procedure that is offered by your veterinarian’s office can be financed. Veterinary care, such as vaccinations, routine check-ups, spaying/neutering, dental work, x-rays, and surgeries can all be financed through pet health financing. Some companies also offer loans and financing options for other services such as grooming, boarding, and daycare.

Does insurance cover these procedures?

In most cases, pet insurance will not cover the cost of preventive care or routine veterinary visits. However, insurance will often cover the cost of more serious procedures and treatments. It is important to check with your veterinarian and your pet insurance company to find out what is covered.

What other payment options are available?

When it comes to covering veterinary expenses, pet owners have multiple payment options. From cash, checks, credit cards, and debit cards to personal loans, there are various ways to pay for pet care. Many vet offices also offer convenient payment plans to help manage the cost of treatments.

For those seeking alternatives to traditional financing, specialized options designed for pet health services are available. These financing solutions provide benefits for both pet owners and veterinary practices, ensuring accessible and affordable care for furry companions.


Offering Dog Financing for Veterinary Service Providers FAQ

How can I help pet owners finance their pet's vet bills?

Veterinarians and animal hospitals and clinics can partner with organizations that provide financing specifically for veterinary care. These organizations often have lower interest rates and longer repayment terms than other lending institutions. Plus, they often do not require credit checks or collateral.

Consult digital veterinary care lending partner PowerPay for more information on how to offer financing for your client’s vet bills.

What are some of the benefits of pet financing for vet practices?

There are several benefits of offering pet financing for dogs to your clients. Benefits include:

No hidden fees. When your clients finance their pet’s care through a third party, there are no hidden fees or costs for you, as the vet practice. This can be a great way to help keep your business running smoothly and without any unwelcome surprises.

Increased business. Offering pet and dog financing can attract new customers and means that more people will be able to afford the vital care their pets need. This is a great way to boost your business and ensure that you’re helping as many animals as possible.

Help patients afford care. One of the primary benefits of pet financing is that it helps patients afford the necessary care for their beloved pets. This can be crucial in ensuring that animals receive the medical attention they need.

Will it impact my client’s credit score if they apply for financing?

No, it won’t impact their credit score. When applying for a PowerPay loan, only a soft credit pull is performed which is simply a check of someone’s credit history for the purposes of evaluating a loan application, and therefore, doesn’t cause any dings to credit score.

So if your client is applying for financing, PowerPay will do a soft credit pull as part of the application process to give them an idea of what kind of interest rate they can expect on the loan, but it won’t have any negative impact on their credit score.

Do all vet clinics and practices offer financing?

Not all vet practices offer financing, but the best do and should. It’s an important service to offer because many pet owners may not have the money to pay for services their pets need upfront.

Vet clinics and practices that offer financing can help pet owners get the care their pets need without having to put it off or go into debt. Plus, financing can often be offered at a low-interest rate, which makes it more affordable for pet owners.

Who should consider using pet financing to help pay for vet services?

Anyone who needs cash to pay for pet services and care, anyone who wants to establish good credit, or who needs to save money now and pay later should consider using pet financing.

Paying for vet services can be expensive, and sometimes it’s difficult to come up with the money all at once. That’s where pet financing comes in. Pet financing is a way of paying for vet services over time, which can help reduce the stress of having to come up with a large sum of money all at once.

Financing can also help you build your credit history if you don’t have one already. And if you finance your pet’s care through a reputable company, you’ll save money on interest rates compared to other types of loans meaning it could be the perfect solution for your customers and their furry friends!

Powerpay FAQ

Head to our PowerPay FAQ for Veterinarians and Animal Practices to learn more about our financing programs, and answers to other frequently asked questions.