How CareCredit Works for Veterinary Care

Simple 3-step process to get financing for your pet's healthcare. From application to approval to payment - we make it easy.

3 Simple Steps to Get Started

Get approved and start using CareCredit in minutes

1

Apply Online

  • Takes 5 minutes: Quick and easy online application
  • No impact: Checking eligibility doesn't affect credit score
  • Secure: Bank-level encryption protects your information
Start Application
2

Get Instant Approval

  • Seconds: Credit decision in real-time
  • Credit limit: Know your available credit immediately
  • Temporary card: Get card number to use right away

High Approval Rate: Most applicants get approved

3

Use at Your Vet

  • 275,000+ locations: Most vets accept CareCredit
  • Same day: Use for appointments scheduled today
  • Reusable: Use again as you pay down balance

Physical card: Arrives in 7-10 days

Understanding Your Payment Options

Flexible financing that fits your budget

0% Interest Promotion

No interest if paid in full

  • ✓ Available on purchases $200+
  • ✓ 6, 12, 18, or 24-month terms
  • ✓ Pay before promo ends = $0 interest
  • ✓ Minimum monthly payments required

Example: $1,200 vet bill on 12-month promo = $100/month. Pay it off in 12 months = $0 interest!

Extended Payment Plans

Lower monthly payments

  • ✓ 24, 36, 48, or 60-month options
  • ✓ Fixed monthly payments
  • ✓ Standard APR applies
  • ✓ No prepayment penalties

Best for: Larger expenses or when you need more time to pay

Frequently Asked Questions

What do I need to apply for CareCredit?

You'll need basic information including your name, address, date of birth, Social Security number, and annual income. The application takes about 5 minutes to complete.

Will applying affect my credit score?

Checking if you prequalify will NOT impact your credit score. Only the final application for credit (if you choose to proceed) will require a hard credit inquiry.

How do I know if my vet accepts CareCredit?

Over 275,000 veterinary providers accept CareCredit nationwide. You can call your vet to confirm, or use the provider locator tool on the CareCredit website.

Can I use CareCredit for multiple pets?

Yes! You can use your CareCredit card for all of your pets' healthcare needs, as long as you have available credit on your account.

Ready to Get Started?

Apply for CareCredit now and give your pets the care they deserve

Start Your Application →