CareCredit Frequently Asked Questions

You can apply for CareCredit in three ways:

1. Online: Visit our application page and complete the form in 5 minutes
2. Mobile App: Download the CareCredit app and apply from your smartphone
3. At Your Vet: Many veterinary offices can help you apply in person

You'll need to provide:

• Full legal name
• Current address
• Date of birth
• Social Security number
• Annual household income
• Bank account information (optional)

Most applicants receive an instant credit decision within seconds of submitting their application. You'll know your credit limit right away and can start using CareCredit immediately for same-day appointments.

Checking if you prequalify for CareCredit will NOT impact your credit score. This is called a "soft inquiry." Only when you complete the full application will there be a "hard inquiry" which may have a minimal temporary impact on your credit score.

Yes! You can use your CareCredit card for veterinary care for all of your pets - dogs, cats, birds, reptiles, horses, and more. There's no limit to the number of pets you can use it for, as long as you have available credit.

CareCredit can be used for virtually all veterinary services including:

• Routine wellness exams and vaccinations
• Emergency and urgent care
• Surgeries (spay/neuter, orthopedic, etc.)
• Dental cleanings and procedures
• Diagnostic testing and imaging
• Specialist care (oncology, cardiology, etc.)
• Medications and prescriptions
• Hospitalization and ICU care

CareCredit is accepted at over 275,000 healthcare providers nationwide, including veterinarians, animal hospitals, emergency vet clinics, and specialty veterinary practices. Most veterinary providers accept CareCredit, but you can always call ahead to confirm.

Absolutely! CareCredit is a revolving credit line, which means as you pay down your balance, that credit becomes available again. You can use it as many times as you need for your pets' healthcare.

Yes! CareCredit offers promotional financing with 0% interest if you pay the full balance within the promotional period (typically 6, 12, 18, or 24 months, depending on purchase amount). You must make minimum monthly payments and pay off the balance before the promo period ends to avoid interest charges.

If you don't pay off the full promotional balance before the end of the promotional period, deferred interest will be charged from the original purchase date at the standard APR. This is why it's important to budget and pay off the balance within the promo period.

No! CareCredit has no annual fees, no application fees, and no prepayment penalties. You only pay interest if you don't pay off promotional balances in time or carry a balance on standard purchases.

You can make payments several ways:

• Online through the CareCredit website
• Mobile app
• Automatic payments from your bank account
• Phone (call customer service)
• Mail a check or money order