Veterinary Financing:5>1.
5 Lenders.
1 Consumer Application.
1 Performance Dashboard.
Say Goodbye to Your Single Lender Pain.
The Pain
Declines are BAD for business.
Declines cost you:
Patients and Revenue
One Lender = One Answer.
When one financing option doesn't fit, patients and clients may delay the care or treatment they came in for. A broader lender stack gives them another path forward.
The Patient Experience
A decline is personal.
No one wants to discuss a decline at the front desk or start another application. One application that routes to the next best-fit lender keeps the conversation moving.
Time and Money
Every consultation takes time and resources.
When a payment option falls through, your team loses time following up and the appointment or treatment may never move forward.
Representative Veterinary financing options
Why would you limit your clinic revenue with just one lender? Do not be restricted by old school lending solutions - power your clinic with a modern lending solution designed to perform.
Product options drawn from the current lender programs. These are representative product examples, not case studies. Terms, approvals and fees vary by product, applicant and state, and are disclosed at time of application.
Treatment plan, financed
Risk-Based Installment
- Fair credit and better
- 3 – 60 month terms
- Up to 24.99% APR
- Up to $25,000
Elective procedure, 0% promo
True 0% APR Promotional
- Prime and above
- 3 – 36 month terms
- 0% APR — not deferred interest
- Zero interest to the patient
Lower-credit patient, approved
Wide-Spectrum Installment
- All credit tiers (475+)
- 12 / 24 / 48 month programs
- Risk-based APR, varies by state
- Up to $15,000
Payment plan, in-house feel
Sub-Prime Installment Plan
- All credit tiers
- Up to 24 months
- 0% to the patient
- Up to $7,500
How Veterinary Financing Works
Application
One mobile-first application, under 3 minutes, soft credit pull.
Waterfall routes it
The application moves through the lender stack to the best-fit lender in real time.
Customer gets their offer
They see the best available offer for their credit profile — not a single lender's answer.
Merchant gets paid
Funding settles through the lender, tracked in one dashboard alongside every other application.
NO ANNUAL PLATFORM FEE.
NO ACCESS FEE. EVER.
Transaction-level rates and fees vary by product and are disclosed at time of application.
Veterinary Financing FAQ
Can a pet owner get approved during an emergency visit?
Yes. The application is mobile-first and typically completes in under 3 minutes, so an owner can apply in the lobby and get a decision before the treatment decision is made.
What happens if the first lender declines the pet owner?
The application routes automatically to the next best-fit lender in the waterfall instead of ending at a single no.
Does applying affect the pet owner's credit score?
No. Pre-qualification uses a soft credit pull with no impact to their credit.
Are 0% APR options available for veterinary care?
Yes — true 0% APR, not deferred interest, available across multiple promotional terms.
Is there a cost to my practice to offer this?
No annual platform fee, no access fee, ever. Transaction-level rates and fees vary by product and are disclosed at time of application.
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