Top 15 Vet Payment Plan Alternatives

Compare the leading veterinary financing and pet payment plan options for 2025. Find the right solution for your pet's healthcare needs.

$32B+ US Pet Healthcare Market
67% US Households with Pets
$1,400 Avg Annual Vet Cost
15+ Financing Options

Compare Pet Financing Options

Detailed comparison of veterinary payment plans and pet care financing providers

1

CareCredit

Healthcare Credit Card
4.6

The most widely accepted healthcare credit card. Works at 250,000+ vet locations. Offers 0% APR promotional financing for 6-24 months.

0% APR Options 250K+ Locations Reusable Credit Humans + Pets
3

Wells Fargo Health Advantage

Bank-Backed Credit
4.3

Major bank healthcare credit card with competitive rates. Accepted at many veterinary practices. Special financing offers available.

Bank Backed Special Financing Trusted Brand Online Portal
4

Prosper Healthcare Lending

Personal Loans
4.4

Healthcare-focused personal loans with fixed rates. No prepayment penalties. Funds deposited directly to your account.

Fixed Rates Direct Deposit No Prepay Penalty Up to $50K
5

LendingClub

Peer-to-Peer Lending
4.2

Personal loans that can be used for any purpose including pet care. Competitive rates for qualified borrowers.

Personal Loans Any Purpose Fixed Rates No Collateral
6

Affirm

BNPL Platform
4.5

Popular BNPL option accepted at some vet clinics and pet stores. Transparent pricing with no hidden fees or late fees.

No Late Fees 0% APR Options Transparent Easy App
7

Klarna

Pay in 4
4.4

Split pet supply and some vet purchases into 4 interest-free payments. Works at major pet retailers and online stores.

Pay in 4 0% Interest Pet Supplies Instant Decision
8

Afterpay

Interest-Free Payments
4.3

4 interest-free payments every 2 weeks. Great for pet supplies, food, and accessories at participating retailers.

Pay in 4 0% Interest Bi-weekly Retail Focus
9

PayPal Pay in 4

Split Purchases
4.4

Split purchases into 4 payments using your PayPal account. Widely accepted for online pet supply shopping.

Pay in 4 0% Interest Trusted Brand Wide Acceptance
10

GreenSky

Home & Health Financing
4.1

Offers healthcare financing including veterinary services. Promotional rates and flexible payment options available.

Promo Rates Healthcare Flexible Terms Online App
11

Synchrony

Store Credit Cards
4.0

Powers many pet store credit cards including Petco and PetSmart cards. Special financing offers at partner stores.

Store Cards Petco/PetSmart Special Offers Rewards
12

Ally Lending

Healthcare Financing
4.2

Point-of-sale financing for healthcare including veterinary services. Competitive rates and quick approval process.

Healthcare Point-of-Sale Quick Approval Bank Backed
13

PetCard

Pet-Only Credit Card
3.9

Credit card designed specifically for pet expenses. Can be used at veterinary clinics and pet stores across the US.

Pet Specific Vet Accepted Reusable No Annual Fee
14

VetBilling

In-House Payment Plans
4.0

Software that helps vet clinics offer in-house payment plans. Terms vary by clinic but often more flexible than third-party options.

In-House Flexible Terms Direct with Vet Custom Plans
15

CareFirst

Medical Financing
3.8

Healthcare financing that includes veterinary services at select locations. Offers promotional interest rates for qualified applicants.

Medical Focus Promo Rates Select Vets Fixed Payments

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