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Pet Health on a Budget: Using Financing for Veterinary Costs

As pet owners, we all want the best for our furry friends. We do our best to provide them with a happy and healthy life, but sometimes unexpected expenses can arise. One of the most common unexpected expenses that pet owners face is veterinary costs. Veterinary care can be expensive, and in some cases, difficult to afford. This is where consumer financing for veterinary costs can be a valuable resource for pet owners.

Consumer financing is a way to pay for goods and services over time. It allows you to spread the cost of a purchase over a period of months or years, rather than paying for it all at once. Consumer financing can be used for a variety of purposes, including purchasing a car, buying a home, or paying for veterinary care for your pet.

There are many different types of consumer financing available, including credit cards, personal loans, and payment plans. Each of these options has its own advantages and disadvantages, and it’s important to understand the differences between them in order to choose the best option for your needs.

Credit Cards

Credit cards are one of the most common forms of consumer financing. They allow you to make purchases on credit and pay for them over time. Many credit cards offer rewards programs or cashback incentives, which can make them an attractive option for pet owners who need to pay for veterinary care.

Personal Loans

Personal loans are another option for financing veterinary costs. They can be obtained from banks, credit unions, or online lenders. Personal loans typically have fixed interest rates and fixed repayment periods, which can make them a good option for pet owners who want to know exactly how much they will be paying each month.

Payment Plans

Payment plans are another form of consumer financing that can be used for veterinary care. Many veterinary clinics offer payment plans that allow pet owners to spread the cost of veterinary care over several months. These plans typically require a down payment and charge interest or fees, but they can be a good option for pet owners who need to pay for veterinary care but can’t afford to do so all at once.

Consumer Financing

One of the benefits of consumer financing for veterinary care is that it allows pet owners to get the care their pets need without having to worry about the cost. This can be especially important in emergency situations when time is of the essence. If your pet needs urgent veterinary care, consumer financing can allow you to get them the care they need without having to wait until you have the funds to pay for it.

Another benefit of consumer financing for veterinary care is that it can help pet owners budget for unexpected expenses. Many pet owners don’t have a lot of money set aside for unexpected veterinary costs, and they may not be able to pay for these expenses all at once. Consumer financing allows pet owners to spread the cost of veterinary care over time, which can make it easier to budget for these expenses.

Consumer financing can also be a good option for pet owners who want to provide the best possible care for their pets. Veterinary care can be expensive, and it’s not always covered by pet insurance. If you want to provide your pet with the best possible care, but you can’t afford to pay for it all at once, consumer financing for veterinary costs can be a valuable resource.

It’s important to explore all of your options before choosing a financing option. Some veterinary clinics may offer discounts or payment plans that don’t charge interest or fees. You may also be able to negotiate a payment plan with your veterinarian that works for both of you.

United Credit strives to keep the content shared on this blog accurate and up to date. You are urged to consult with business, financial, legal, tax and/or other advisors and/or medical providers with respect to any information presented. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial or medical institution. This content is intended for informational purposes only.

Want more information on your financing options for veterinary care? You can submit a loan application, or visit our Veterinary & Pet Care Financing page.

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Jessica Payan

VP of Human Resources

As a certified Professional in HR (PHR), Jessica brings 10 years of HR experience to the United Credit team. She is responsible for managing the strategy and processes related to building and retaining an exceptional team of professionals. Jessica is passionate about supporting each employee to be their most successful and exemplifies our core values daily.

Aaron Mishkin


As Controller, Aaron manages the income and expenses of the Company and the incoming and outgoing loan funds with the utmost integrity. He is a lifelong learner with multiple degrees and certifications to his name and 25 years of working in financial services. Aaron’s reason behind being a part of the United Credit team is to make a difference in the Company and to his coworkers, our partners, and our customers.

Jorge Lazaro

VP of IT

Jorge works closely with cross-functional partners throughout the business to develop virtual experiences and oversees the IT team that keeps our platforms running smoothly. His goal is to provide an optimistic approach to the challenges we face while supporting our staff and partners with respect. With over 6 years of working for United Credit, Jorge brings a wealth of knowledge about our history and computer engineering.

Brett Walisever

VP of Strategic Accounts

Brett spearheads our business sales growth by identifying and supporting new merchants in partnering with United Credit. He has 10+ years of sales, contract negotiation, and market strategy experience that he brings to each new merchant and our team. His desire is to support the growth of United Credit and the merchants we serve through respect and collaboration.

Andria Sullivan

Chief Experience Officer

Andria is a seasoned leader with over 10 years of experience in providing world-class customer service and directing consumer finance processes. She oversees the tracking, reporting, and achievement of our company goals, long and short-term projects, and special initiatives. Andria is service-minded when it comes to collaborating internally and externally, and it shines through in every interaction.

Nate Moster

Chief Sales and Marketing Officer

As Chief Sales and Marketing Officer, Nate expertly drives revenue growth for United Credit by leading sales and marketing strategies across all channels. With over 20 years of experience working with global brands in various industries, Nate has a proven track record of boosting sales, expanding market share, and building strong relationships. His unique ‘right-brain + left-brain’ approach combines business acumen and strategic thinking with striking creative execution, ensuring United Credit’s sales and marketing efforts consistently deliver results for continued success.

Matthew Libman

Founder & President

Matthew is the President and Founder of United Credit. Matt founded fintech company United Medical Credit in 2011 to connect consumers and businesses with an array of experienced, innovative financing solutions. In 2022, the company grew and became United Credit, fueling an expansion into retail markets while retaining its expertise in specialty healthcare.

Since its founding, Matt has provided leadership for all aspects of the Company, emphasizing long-term growth while ensuring United Credit delivers value to its consumers, merchants, and business partners. The Company has risen in the fintech space as a preferred consumer financing partner under his tenure.

Matt is also an active member of YPO (Young Presidents’ Organization), the world’s largest leadership community of company chief executives.