Veterinary Financing
for Your Pet

Get approved in under 2 minutes!

This will NEVER affect your credit score

Veterinary Financing for Borrowers

Most pet owners will do whatever they can to make sure their furry friend is happy and healthy. This requires regular vet check-ups, preventive care, and emergency treatment when necessary. Vet bills can be expensive, and many pet owners find themselves struggling to cover the costs for procedures and surgeries.

PowerPay is one of the leading providers of pet and dog financing. We can help translate high dog costs into low and affordable monthly payments with long-term repayment terms that fit your budget, with interest rates that are lower than most credit cards. Additionally, applying for a loan with us will never impact your credit because we only perform soft credit pulls.

We are also partnering with a number of veterinary clinics across the United States to make it easy for you to finance your pet’s care.

The Benefits of Financing with PowerPay

PowerPay specializes in making the process of financing an elective procedure both fast and easy. Some of our highlights include:

  • Soft credit pulls, so there’s no impact on your credit score.
  • Ability to add a co-applicant to a loan.
  • No prepayment penalties or deferred interest, so you can pay off your loan at any time without penalty.
  • Low APRs and flexible repayment terms to help you pay your loans off affordably over time.
  • Excellent customer service available to help you through every step of the process.

How to Apply

Applying for pet financing with PowerPay is simple:

  1. Apply Online, In-Person, or Through Your Doctor: Choose the most convenient way to apply for your loan, including a personalized link through your trusted provider.
  2. Provide Basic Information and Documentation: Fill out an application form and provide basic personal information, including your treatment plan and a copy of your driver’s license for verification purposes.
  3. Sign Loan Documents: Once your application is approved, you’ll receive loan documents to review and sign electronically.
  4. Funding Your Procedure: After signing the loan documents, your doctor will receive the funds necessary to cover the cost of your procedure, ensuring a seamless experience without any delays or complications.
  5. Begin Making Payments: Within 30 days of receiving your dental procedure, you’ll start making affordable monthly payments to PowerPay. Our flexible payment options make it convenient to manage your financial obligations.

Industry Best Program

up to 72-month terms, rates from 9.99%, and max loans of $60,000

Streamlined Process

instant decisions, electronic docs, quick and easy loan process

No Prepayment Penalties

pay off part or all of your loan at any time with NO penalty fees

Pet & Dog Healthcare Services to Finance

Pet & Dog Surgery

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

Emergency Pet & Dog Care

Accidents, Sudden medical emergencies

Veterinary Care Financing

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

Calculate your monthly loan payment

Term (In Months)

Interest Rate

Woman in green coat with arm around her mutt dog wearing a bandana

Why pet financing is necessary:

There are several reasons why pet financing may be beneficial. Whether you lack pet insurance coverage for specific procedures or require financial assistance for unexpected vet bills, pet financing can provide the necessary funds to ensure your pet receives the care they need. Discover the convenience and peace of mind that pet financing offers.

What specific surgeries and procedures can be financed?

Almost any type of veterinary care can be financed, including:

  • Routine check-ups and vaccinations
  • Spaying and neutering
  • Dental care
  • Cancer treatment
  • Emergency surgery

Does pet insurance cover the cost?

In some cases, pet insurance may cover the cost of medical care. However, there are often limits on what is covered and how much is reimbursed. It’s important to read your policy carefully to see what is and isn’t covered.

What payment options are available to pay for veterinary or anima hospital bills?

If pet insurance doesn’t cover the cost of care or if you don’t have pet insurance, there are a number of other options for paying veterinary or animal and pet hospital bills. These include:

  • Line of credit
  • Credit cards
  • Cash payments
  • Pet service financing

Save Time.

2-minute application, instant decisions, electronic docs

Save Money.

with rates from 4.99% and up to 20-year terms, you get the lowest monthly payment

Be Happy!

make your dream home a reality- buy now and pay over time


Pet & Dog Financing FAQ

How do you pay for pet and dog services and other veterinary bills?

You have several options when it comes to paying for pet services and veterinary bills, including out-of-pocket, credit cards, personal loans, and pet finance.

Out-of-pocket is the most straightforward way to pay for services, but it can be costly if you have a lot of bills. Credit cards offer the convenience of being able to pay for services over time, and many cards offer rewards like cash back or travel points, but interest rates are often high. Personal loans are another option for financing expenses over time, and they typically have lower interest rates than credit cards, but often impact your credit score. Finally, there are pet finance companies that offer installment plans specifically for veterinary bills which often offer lower APRs and long-term repayment options.

What are the different procedures and treatments that can be financed?

There are a wide variety of pet surgeries, treatments and services that can be financed through a pet loan. This includes everything from routine checkups and vaccinations to more serious procedures such as cancer treatments or hip replacements.

Some of the most common pet surgeries that can be financed include:

  • Spay/neuter surgery
  • Dental work
  • Urinary tract infection treatment
  • Flea/tick/worm treatment
  • Cancer treatment
  • Hip replacement surgery

What credit score do you need to qualify for pet financing?

The average credit score to qualify for pet financing is usually around 600. However, requirements can vary depending on the lending institution. Some lenders may require a score of at least 650, while others may be willing to work with borrowers who have a score as low as 550.

It’s important to note that your credit score is just one factor that lenders will consider when deciding whether or not to approve your loan application. Other factors that may be taken into account include your income, existing debt obligations, and credit history.

How much interest should I expect to pay for financing?

The average interest rate for pet surgery financing is around 15%. However, the interest rates can vary depending on the lender, your credit score, and the type of surgery that your pet needs.

Some lenders may be willing to work with you if you have a lower credit score, while others may charge a higher interest rate. And if your pet needs a more expensive surgery, you can expect to pay a higher interest rate on the loan.

It’s important to shop around for the best financing deal possible so that you can get the lowest interest rate and save money on your pet’s surgery.

What are the benefits of financing a pet surgery or treatment?

When you finance a pet surgery or treatment, you’re taking on a low-interest loan that can be repaid over time. This is a great option if you don’t have the cash on hand to pay for your pet’s procedure, and it comes with several key benefits:

No impact on your credit score: A pet surgery or treatment can be expensive, and financing can help you avoid any negative consequences to your credit score.

Long-term repayment options: You can choose to repay your loan over several years, which makes it more manageable for your budget.

Low APRs: You’ll enjoy low APRs on your loan, so you can save money on interest payments.

Powerpay FAQ

Visit the PowerPay FAQ for borrowers to learn more about pet financing options, as well as answers to other frequently asked questions.