How To Get Emergency Pet Loans
From veterinary clinic payment plans to payday loans, many emergency pet loans are available. Granted, they won't all be right for you, but you're bound to find a payment method that keeps your financial life on track despite unforeseen circumstances.
Dealing with an urgent pet health need is frightening and ridiculously stressful. After all, they're members of the family! And while money is probably the last thing on your mind, you're fully aware of the expenses incurred from treating your precious pet. Luckily, you aren't left to scrape together cash on your own — you have options.
So, we're going to explore five types of urgent pet care loans and how to get them below.
5 Types Of Emergency Pet Loans
1. Pet Financing Companies
Some companies offer pet financing that helps defer interest costs and fund urgent veterinary care. As long as you're confident that you can make on-time payments, pet financing might be a good way to afford the treatment your furry friend desperately needs.
CareCredit is one of the most popular pet financing companies. They offer a credit card you can use at veterinary clinics to pay for routine treatment and urgent care.
Depending on your situation, they may offer no-interest short-term financing for 6, 12, 18, or 24 months. The offer you receive is based on your current credit rating.
Keep in mind with CareCredit you'll pay a $40 fee if you're late making your monthly payment.
To apply, go to the CareCredit pre-qualification web page or call them at (800) 677-0718. If you choose this method, print out their Credit Card Account Agreement before phoning.
2. Veterinary Clinic Payment Plans
Not every veterinarian offers payment plans to cover treatment costs, but you never know unless you ask. You might feel embarrassed or a little anxious to discuss finances with them, but that's all part of their job!
Some vets will consider payment plan terms on a case-by-case basis, ensuring they meet your needs exactly. If you're eligible for a payment plan, you can spread care costs over several months, making it easier to afford.
We recommend considering this option before going elsewhere; it's simply more convenient.
3. Personal Loans
You can use regular personal loans to fund veterinary treatment if you aren't eligible for a vet-based payment plan or pet financing company. You'll work with a traditional lender to fulfill your needs.
Generally, terms run from two to five years, with each monthly repayment the same as the last throughout the term. This option may be easy to fit into your budget, especially if you qualify for great interest rates based on a decent credit score.
4. Credit Cards
Another option is to use a credit card you already possess. If you can repay the balance within a month or two, returning your finances to normal as quickly as possible may be your option.
If you don't have a credit card or do not have enough available credit to cover the pet care cost, look into acquiring a credit card with an initial interest-free option.
5. Payday Loans
Finally, you can get a payday loan from us to fund your pet's medical treatment. Depending on your situation, we can lend between $100 and $550 to cover vet bills.
Unlike other loans, we don't ask you to contend with a long list of requirements. Instead, you just need to be over 18 years old, have a steady income stream, and own a checking account.
How To Get Emergency Pet Loans From Carolina Payday Loans, Inc.
As one of the most accessible emergency pet loans, we can help you can get the payday loan process completed in just half an hour, and get the money you need within one business day.
Here's how to get started:
Start the process by quickly submitting our online request form. Be sure to provide accurate information so you can progress easily.
Once we receive your information, we'll call you back to go through the process and required items, which are as follows:
- Government-provided ID card (such as a passport or driver's license)
- A blank check from a checking account in your name
- Most recent pay-stub
After the conversation, head to your local Carolina Payday Loans, Inc. so we can evaluate your documents and establish the amount of money we can lend you. Our representatives will ensure you're satisfied with the offer before asking you to sign a few documents.
Finally, you get the money you need on the same or the very next business day.
Get Payday Loans With Us Today!
No matter the crisis, you can get emergency pet loans started in a matter of moments, depending on the specific loan you choose.
Our payday loan process is easy to understand, and the in-person portion only takes about half an hour. Once you complete our online form, one of our loan associates will give you a call to schedule your in-person appointment. Once you arrive at a South Carolina store location near you, the loan associate will help you to get the money you need to care for your furry family member.
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.