At P.A.W.S., we know veterinary care can sometimes come at unexpected times. To help make treatment more manageable, we offer a limited interest-free in-house financing option for qualified clients.
Our goal is to help pets receive the care they need while giving families a clear, structured payment option when eligible.
How Our Financing Option Works
For qualified clients, we may offer an interest-free monthly payment plan after approximately 50% of the total bill is paid on the day of service.
The remaining approved balance is then divided into monthly payments based on the financed amount.
Basic Requirements
To be considered for in-house financing:
- Approximately 50% of the bill must be paid on the day of service
- A valid debit or credit card must be kept on file
- Cash-only financing is not available
- Clients must apply for CareCredit first before being considered for our in-house financing option
- All financing requests are subject to approval
Payment Plan Terms
Approved financed balances are generally structured as follows:
- Up to $200 — up to 3 months
- $201–$350 — up to 4 months
- $351–$500 — up to 5 months
- $501–$700 — up to 6 months
- $701–$900 — up to 7 months
- $901–$1,200 — up to 8 months
Monthly payment amounts are based on the remaining approved financed balance.
Please Note
Our in-house financing program is intended to help qualified clients access needed care. Eligibility may depend on account standing, payment history, and completion of required payment information.
Financing is offered at the discretion of P.A.W.S. and will be arranged at the time of service.
Frequently Asked Questions
Should I apply for CareCredit before my appointment?
Yes. Applying before your appointment helps us review your payment options more smoothly at the time of service.
Where can I apply for CareCredit?
You can apply online through CareCredit before your visit. If needed, our team can also help guide you at the clinic.
I do not have a phone or computer. Can someone help me apply?
Yes. We have tablet access available at the clinic, and our reception team can help walk you through the application process.
What if I do not have a debit or credit card?
A debit or credit card on file is required to qualify for our in-house financing option. We are unable to offer cash-only financing plans.
If I apply for CareCredit, am I automatically approved for in-house financing?
No. CareCredit is a required first step, but all in-house financing requests are reviewed separately and are subject to approval.
Can I still ask about financing on the day of my appointment?
Yes. However, we encourage clients to ask ahead of time whenever possible.
Is your financing interest-free?
Yes. Our in-house financing option is interest-free for approved clients.
Call P.A.W.S. at 530-534-0900 Option 0 for any additional questions.