More results...

Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors

Apply for
Veterinary & Pet Care Financing Now

$
Between $500 and $25,000

Keep your pets healthy and thriving

Pets require the same – sometimes expensive – healthcare as any member of your family. United Credit partners with thousands of businesses across the country, including veterinarians and pet specialists who help your animals thrive. Apply for veterinary financing in minutes and see how together, we do more.

Thanks to our lending partner network, United Credit can connect you with pet care financing options for a variety of veterinary procedures and treatments for your pet, including:

Veterinary procedures

Spaying and neutering, Emergency surgery or services, Major surgery, Skincare or dermatology, Parasites, Vaccinations, Annual checkups, Dental care and cleanings, Medication, Chemotherapy or cancer treatment, Microchipping, Hip dysplasia surgery, Rehabilitation services

We can help you find the veterinary financing you need for your pets, including:
Dogs, Cats, Horses, Birds, Reptiles, Rabbits, Guinea Pigs, And more!

Veterinary procedures

Spaying and neutering, Emergency surgery or services, Major surgery, Skincare or dermatology, Parasites, Vaccinations, Annual checkups, Dental care and cleanings, Medication, Chemotherapy or cancer treatment, Microchipping, Hip dysplasia surgery, Rehabilitation services

We can help you find the veterinary financing you need for your pets, including:
Dogs, Cats, Horses, Birds, Reptiles, Rabbits, Guinea Pigs, And more!

How veterinary and pet care financing works

Easy application
It only takes a few minutes to complete our simple online application

More financing options
Access multiple pet care financing options with affordable interest rates and payment terms

Fast approval
You’ll receive a response from our lender network the same business day

Affordable financing
Find a payment plan that fits your needs and your budget

Superior service
Your dedicated support rep will answer all your questions and help you through the entire application process for your veterinary care loan.

Secure veterinary financing for your pet’s surgery or procedure from $500 to $25,000*

  • Simple, fast online application
  • Affordable monthly payments
  • No prepayment penalty
  • Competitive interest rates for qualified borrowers

*Some applicants may qualify for more. Actual loan amount and terms are dependent on credit usage and history.

Frequently asked questions

How Does Veterinary Financing Through United Credit Work?

United Credit helps consumers within a wide range of credit scores apply for veterinary and pet care financing, meaning we connect more people like you with the loan you need to care for your animals. We are not a credit card; instead, we are a gateway to installment loans and other financing options with affordable interest rates and payment terms best suited for your credit profile. Loans for veterinary care from our lender network vary based on your credit application.

What Are The Benefits Of Veterinary and Pet Care Financing?

Keeping your pets happy and healthy is important. Whether your dog needs annual vaccinations or your cat needs surgery, financing these services can help you pay for the crucial care your pet needs now.

United Credit is here to connect you with veterinary financing solutions through our network of lending partners. Veterinary and pet care financing can help your pet get the procedure they need with a payment plan that fits your budget.

Will Veterinary Financing Cover the Cost of My Pet’s Procedure?

Veterinary and pet care financing through United Credit’s lending partners may cover the entire cost of your pet’s procedure, up to $25,000. This includes procedures like:

  • Annual vaccinations
  • Flea, tick, and heartworm prevention
  • Medication
  • Dental cleaning and extraction
  • Surgery
What Will My Pet’s Surgery or Procedure Cost?

From vaccinations and routine care to medication and diagnostic services, the cost of caring for your beloved pet varies. For example, a routine visit can be $45 to $55, while diagnosing a health issue can cost $1,000 or more.

Talk to your veterinarian and do your research to understand your options for keeping your pet happy and healthy.

What Credit Score Do You Need To Access Veterinary and Pet Care Financing?

We recommend checking services like Credit Karma, requesting your credit history, and signing up for credit monitoring from all three major credit bureaus as one of the first steps in applying for a pet care loan.

Your credit score depends on several factors, including:

  • your current income
  • Your history of making timely payments for existing loans
  • whether you’re currently enrolled in any debt forgiveness programs
  • your ratio of “good debt” to “bad debt”
  • how long you’ve had a credit history

your bank account history However, just because your credit history is less than ideal doesn’t mean you can’t get a veterinary loan. When you submit an application, our initial check is what’s known as a “soft” credit inquiry which does not impact your credit score. Individual lenders may run a hard credit check, which will impact your score, which is why it’s essential to know what your credit report contains.

Testimonials from United Credit Customers

Ready to apply?

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

Controller

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.