Care Credit
CareCredit is a medically-focused credit card that provides financing for veterinary costs. It functions similarly to a typical credit card, offering “no-interest” promotional periods (if paid in full during the term) to help manage expenses. Application decisions are usually provided instantly, allowing for immediate use of the card.
*** However, if the balance isn’t paid off within the promotional period, deferred interest is retroactively charged on the entire purchase amount at a high annual rate. ***
- Wide Acceptance: Used at over 270,000 locations nationwide across more than 50 health and wellness specialties.
- Promotional Financing: Promotional repayment options, typically 6, 12, 18, or 24 months.
- No-Interest If Paid In Full: If you pay the full balance within the promotional period, no interest is charged.
- Budgeting: It is crucial to monitor your spending and ensure you can pay off the balance within the promotional period to avoid unexpected costs.
Apply at: https://www.carecredit.com/apply/
Pet Friendly Services of Indiana
Income-qualified pet owners pay $50 per surgery, utilizing vets in Pet Friendly Services’ statewide network. There is a limit of 2 SNAP certificates per client. You must be a resident of Indiana to apply. Pet Friendly Services of Indiana utilizes veterinarians in surrounding states, but limits the program to Indiana residents.
Step 1: Do You Qualify?
If you receive benefits such as; Energy Assistance Program, Food Stamps (Hoosier Works), HIP (Healthy Indiana Plan), Major VA Disability, Medicaid (not Medicare), Section 8 Housing, Social Security Disability (SSD) – (not Social Security Retirement Income), Supplemental Security Income (SSI) or fall below the income levels in the table below, you qualify.
Step 2: How SNAP Works
The online SNAP request form opens each Monday morning at 9:00 a.m and closes when sold out. Once you submit your request form, you will receive a confirmation message. Pet Friendly Services will mail a spay/neuter certificate to you within 2-3 weeks.
Step 3: Apply
Click the link to apply and pay $50.
Step 4: Participating Vets
Schedule an appointment at one of the veterinarians listed here: https://petfriendlyservices.org/wp-content/uploads/2024/12/Vet-List-11-20-24.pdf Your pet must be up to date on rabies. Confirm ahead if there are extra charges or items your pet needs. The certificate is only good for 6 months.
Scratch Pay
A payment plan for veterinary costs that offers 0% interest financing if paid off within the promotional period, usually 12, 18, or 24 months. Make sure the amount is paid off or high interest fees will apply.
- Checking if you qualify will not affect your credit score.
- Down payment as low as $15 to get started.
- Ensure your clinic accepts Scratch!
Apply here: https://scratchpay.com/ and click: Find a Payment Plan
