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Discussion Starter #1 (Edited by Moderator)
CareCredit® Healthcare Finance - Payment Plans and Financing for Cosmetic Surgery, Dental, Vision, Hearing, Veterinary & Other Medical Procedures

Care Credit is something every pet owner should have, whether struggling financially or not. Don't let your bad credit fool you, you can still apply and almost anyone can be approved.

Not all vets accept care credit, so make sure you speak with your vet before applying, or find a vet locally who does use it.
Care Credit may not be avalible outside of the US.

There are some financing promotions, one of those is no interest if paid in full within 6, 12, 18 & 24 months on qualifying purchases. This is what we take advantage of all the time. If its well visits, and we choose to do preventive care we do it for all our dogs so we meet the 12 month option then pay it off monthly or bi-monthly.

Care Credit works amazingly for emergencies too! Your pets are worth it!

Other options to help you afford vet care are to sell items, cut back on spending (stop eating out, purchasing items you don't urgently need, shutting off the internet/cable or cutting back on these, etc.), asking for loans from family/friends, and more.
 

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ditto this! seriously, care-credit has literally been a lifesaver in my house!
 

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In order to effort a good health to your pet there can be ALWAYS found some old items inside the house that no longer have any need.

It's sometimes amazing how much stuff is lying around that could be sold online, through friend, etc. Most human's buy things they never ever need, so there's always some money.

Anyways, i like the idea of Care Credit, it's a real good life saver for many peoples.
 

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we have care credit, its not only good for pups but humans too, never hurts to have it, we've needed it for our rabbits numerous times, and we're glad we have it now that we have minnie too, hope to not use it, but i'd rather have it and not use it than need it and not have it!
 

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Care Credit can be a lifesaver, but for ongoing care above your limit it can be a problem. If you get up to your limit you have to pay it down before you can get more care. If the doctor will work with you or you have insurance too then it can be figured out. But for expensive ongoing treatment it can be a problem. Fur example...Medicaid does not cover vet care, it also does not cover adult dental care of any kind...if you need Y amount of work and have a limit of X, plus you needed to make one vet visit ...plan b, you drink a few shots and get a hammer...that's the American health system...
 

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Well, Care Credit isn't really part of the American health care system. It's a credit card. It just happens to be ear marked for things your insurance doesn't cover, and for your pet. It should at least be had for emergencies. I wouldn't recommend anyone have care credit as a primary means of caring for the health of your pet, it should be to supplement. Everyone struggles from to time and there isn't anything wrong with that. But unfortunately, there are a lot of people who aren't struggling temporarily, and just simply have no money ever. If someone can barely care for themselves, they shouldn't have a pet.
 

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Just thought I'd update for us Canucks! We have a version of care credit too!

Though not called Care Credit here, we Canadians can apply through Petcard to get the financing we need when an emergency strikes. When Tessa went in for her spay I saw the pamphlet. I believe you get to choose between a finance or a credit card, depending on the amount of money required. I talked to my vet about it and she says they've been very easy to work with and have a high approval rate for those who feel they wouldn't qualify. So have a look at your vet's office for more info on Petcard or check out www.petcard.ca

***I have no affiliation with said company, nor have I used them (I prefer a mix of pet insurance and emerg funds for any of my pet's vet costs). I just saw this at the vets office and wanted to share with those Canadians who click on the CareCredit site and realize they don't have a Canadian affiliate for finance anymore, yet still need to find money to help their pets***

Hopefully this helps someone! :)
 
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Very helpful information, thanks for posting. I am assuming CareCredit can be used to potentially cover diagnostic imaging (such as MRI , CT, etc.) and surgical procedures? My pup is demonstrating some concerning neurological symptoms, and I am trying to have arrangements made for an MRI. In addition, I anticipate that he may be in need of surgical intervention. Unfortunately, I can't afford these services out of pocket, so I am researching payment options ...

Also, it sounds like interest expenses can be avoided if timely payments are managed? Thanks!
 

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Yes and yes! Usually first six months are interest free. And as far as I know, it will cover anything vet related from meds to diagnostics to treatment.
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CareCredit® Healthcare Finance - Payment Plans and Financing for Cosmetic Surgery, Dental, Vision, Hearing, Veterinary & Other Medical Procedures

Care Credit is something every pet owner should have, whether struggling financially or not. Don't let your bad credit fool you, you can still apply and almost anyone can be approved.
Hi, I am new here and came across this post. My dog Sam recently just went through a health scare. Our vet does accept Care Credit but we do not qualify for it due to our bad credit (I guess we aren't almost anyone). We know this since we have had pets that needed expensive surgery but when we applied we were always denied. Our vet does not like to accept payments so we were forced to make that awful decision that no one wants to make. I love my pets dearly and always do my best to get them the care they need.

Anyway, when Sam was acting not like herself, I became concerned. She was in heat and one morning, she began bleeding heavily (gushing) and we brought her to the vet. She had pyometra. We were never told that this could happen and we were never really encouraged to get her spayed. She goes to the vet for regular check ups and even at her last check up, they suspected pyometra but never mentioned it to us. (We found this out when she had to have emergency surgery.) She ended up having surgery that day. It has now been a month since then and she is doing fine.

Lucky for us, we persuaded the vet to work with us and let us make payments. The bill was not that expensive (which is why I believe they allowed the payments) but due to circumstances beyond our control, we still cannot afford the payments. I have set up a fundraising campaign on GoFundMe to raise the money. (Help with Sam's medical bills by Michelle Lynch - GoFundMe) Once we are back on our feet again, I will definitely pay it forward to someone else in need.
 

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really bummed, my care credit app was turned down :( it really sucks cause I'm in an emergency situtaion with my dog. anybody know of any other programs like that??
 
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