I highly recommend “Care Credit” for anyone with a pet, especially anyone with a service animal.
Care Credit Basics
1. What is CareCredit?
CareCredit is a personal line of credit for healthcare treatments and procedures for your entire family, including your pets. It works like a credit card but it has two advantages. It can only be used for healthcare services and you can get No Interest* financing every time you use it. Simply pay your minimum monthly payment and pay off the entire balance by the end of your promotional period and you pay No Interest. If you need more time to pay for your procedure, you can take advantage of our extended payment plans with low, fixed interest rates.
2. Where can I use CareCredit?
Your CareCredit card can be used at over 100,000 participating healthcare practices nationwide for services including LASIK, Veterinary, Dentistry, Cosmetic Treatments, Cosmetic Surgery, Hearing Care and more. Once you have CareCredit you can use it over and over without reapplying for you, your family, and even your pets!
3. How is CareCredit different from my Visa or MasterCard?
Save your consumer credit cards for household or unplanned expenses! Unlike your Visa or MasterCard, CareCredit is exclusive for healthcare services and you can get No Interest* financing every time you use it. If you need more time to pay for your procedure, you can take advantage of our extended payment plans with low, fixed interest rates.
What is a CareCredit payment plan?
CareCredit offers a full range of payment plans. Our 3, 6, 12, & 18 month No Interest* payment plans feature monthly payments as low as 3% of the balance and let you pay within the specified time without incurring interest charges. Simply make your minimum monthly payment and pay off your entire balance during the agreed upon time period, and you’ll pay no interest.
For patients/clients with higher treatment fees who would prefer more time to pay with lower monthly payments, our 24, 36, 48, & 60 month extended payment plans* offer a low, fixed 13.9% interest rate and an extended term.
Not all practices offer every plan. To find out which plans are available in your provider’s practice, be sure to speak with the office manager or financial coordinator.
The site allows you to find a provider in your area, to see if your doctor/Vet participates in the program. You can apply online and get a quick approval/denial, so you don’t have to wait, when you need treatment.
We have been so thankful for this program. Our oldest cat needed surgery 2 years ago, the total cost of emergency care was $1400. Care Credit allowed us to pay a minimum monthly payment of $10 until we were able to pay the balance in full with our Income Tax Refund.
When Kodi had his dewclaw removal and neutering, we were given an estimate in advance. When we went to pick him up, the bill was nearly twice the estimate. Care Credit allowed us to pay over the course of 12 months.
Around Christmas time last year we were short cash on hand, but needed topical flea medication, we were able to use Care Credit to purchase it. It’s really been a blessing.
I hope this information can help someone else.