Cost should not decideyour pet's outcome
Flexible payment options
Surgery For Pets accepts several third-party financing options that allow qualified pet owners to divide the cost of care into manageable payments.
- Type
- Installment loan / payment plan
- Best for
- Clients wanting a simple, one-time payment plan
- Initial credit check
- Soft credit check; checking eligibility does not affect your credit score.
- Payment terms
- Multiple monthly payment options based on eligibility
- Interest
- Varies by approval; eligible plans may qualify for 0% interest offers
- Can it be reused?
- Generally financing for a specific treatment or amount
- Approval
- Based on individual eligibility and credit profile
- How to apply
- Complete a short online application and select an available plan
- Type
- Buy Now, Pay Later installment loan
- Best for
- Clients wanting flexible installment options
- Initial credit check
- Soft credit check; applying does not affect your credit score.
- Payment terms
- Monthly or weekly payment plans may be available
- Interest
- Varies by plan; 0% APR options may be available
- Can it be reused?
- Financing is associated with an approved purchase or payment plan
- Approval
- Based on individual eligibility
- How to apply
- Apply through our Cherry link and select an available plan if approved
- Type
- Healthcare credit card
- Best for
- Clients wanting reusable credit for veterinary and other healthcare expenses
- Initial credit check
- Prequalification uses a soft credit check; proceeding with the full application may involve a hard inquiry.
- Payment terms
- Promotional financing options may be available depending on purchase amount and provider
- Interest
- Promotional financing may include deferred-interest or reduced-APR options; terms vary
- Can it be reused?
- Yes — available credit may be reused at participating CareCredit locations
- Approval
- Subject to credit approval
- How to apply
- Prequalify online and complete the application if you wish to proceed
Which option should I choose?
A good option for clients who prefer a straightforward installment plan for a specific veterinary expense. Checking eligibility does not affect your credit score. Approved plans currently range from $200 to $10,000, with terms and rates based on individual eligibility.
A flexible Buy Now, Pay Later option with a quick application and a soft credit check. If approved, you may be presented with multiple payment plans based on the amount financed and your eligibility.
A reusable healthcare credit card that can be used for veterinary care and other eligible health and wellness expenses at participating providers. You can check whether you prequalify without affecting your credit score.
How to apply
Select a financing option below to check your eligibility or apply.
Scratch Pay — application link coming soon
Cherry — application link coming soon
CareCredit — application link coming soon
Financing is provided by independent third-party companies and is subject to individual approval and applicable terms. Surgery For Pets does not determine eligibility, interest rates, credit limits, or financing terms. Please review the financing provider's current terms carefully before accepting an offer.
Financing is not the only option
If your family is experiencing financial hardship, a number of nonprofit organisations provide grants toward emergency and specialty veterinary care. Funding is never guaranteed, but applying early costs nothing.
After-hours emergency
If your pet is in distress outside our hours, call us first — we will direct you to the right care immediately.
When your petneeds surgery, everydecision matters.
Send us the details and any records you already have. We will call you within one business day with a plan and a price — and no obligation to go ahead.
Monday – Friday, 8:00 AM – 6:00 PM · After-hours emergency by availability