Disclosures

Nature of this service

PetCareFunding operates this website as a marketing and request-routing service for veterinary care financing. We are not a lender and we are not the creditor on any plan. All financing is offered and serviced by participating third parties under their own terms.

We do not make credit decisions, do not issue approvals, and are not involved in servicing, collections or disputes between you and a provider.

This site's role

a comparison and request-routing platform for veterinary payment plans, not a lender

Loan amounts and terms

Financing amounts presented on this site range from $500 to $5,000. Minimum repayment term is 61 days and maximum repayment term is 60 months, depending on the provider and the terms offered to you.

Not every amount or term combination is available to every applicant, and availability varies by provider, state and credit profile.

Annual percentage rate

Representative APRs shown on this site range from 5.99% to 34.99%. The APR is the cost of credit expressed as a yearly rate and includes the interest rate and applicable fees, calculated in accordance with the Truth in Lending Act and its implementing regulation, 12 CFR Part 1026.

Your actual APR depends on the provider's underwriting, your credit profile, the amount requested and the term selected. The rate you are offered may be higher or lower than any figure displayed here.

Representative examples

Example one: a $2,400 plan repaid over 12 months at 0% APR results in 12 equal monthly payments of $200.00, total repayable $2,400.00, total interest $0.00.

Example two: a $2,400 plan repaid over 18 months at 14.99% APR results in 18 monthly payments of $148.17, total repayable approximately $2,667.06.

Examples are illustrative only. They are not offers, and they do not reflect any fee or term a provider may apply to your specific request.

No guarantee of approval

Submitting a request does not guarantee approval, and it does not guarantee that any specific amount, rate or term will be offered. Not all applicants will qualify. All requests are subject to provider review, which may include identity verification, income verification and credit assessment. Approval and final terms are at the sole discretion of the provider.

Credit inquiries

Checking your options on this site uses a soft credit inquiry, which does not affect your credit score. If you continue with a full application with a provider, that provider may perform a hard credit inquiry, which can affect your credit score.

Fees and prepayment

We do not charge application or origination fees. Providers that do charge fees are required to disclose them to you before you accept an offer. Prepayment penalties, if any, are set by the provider and must also be disclosed before you accept.

Cost ranges shown for context

Typical veterinary cost ranges displayed on this site are national estimates provided for context. They are not quotes, not offers of credit, and not a prediction of what any clinic will charge you. Your clinic's own estimate is the figure that matters.

Communications consent

By submitting a request, you consent to be contacted about it by PetCareFunding and by participating providers at the details you supply, including by telephone, email and text message. Message and data rates may apply, and message frequency varies.

You can stop text messages at any time by replying STOP and get help by replying HELP. Consent to marketing communications is not a condition of obtaining financing.

Risk warning

Borrowing involves financial risk. Missing payments can result in additional fees, negative credit reporting and collections activity. Borrow only what you can repay comfortably. If you are struggling with debt, a non-profit credit counselling service can help at no cost.

State availability

Products described on this site are not available in every state, and terms, rates and fees vary by provider and location. Availability and terms are subject to change without notice.