HELP IS HERE

We have 4 ways to help clients pay their bills.  While we attempt to keep our prices very reasonable, in the end there are people that are unable to pay all-at-once for the best healthcare for their pets.  While we believe every client comes in with the intention of providing the ultimate care the reality is that some people, like some of us, live paycheck to paycheck.  So we offer financing options some of which have deferred interest or interest-waived periods so that you pay no interest or finance charges if you are able to pay off your principal within 6 months.

Scratch is my favorite out of the financing that we offer.  If Scratch offers you an “Interest Waived Offer” we recommend taking advantage of that.  Here how it works: First, know that Scratch does NOT do a hard credit check to determine your eligibility for financing.  Second, Scratch is NOT a credit card so the approval rate is higher due to the fact that you apply only when you need funds.  Third, we’re excited to offer Scratch, if approved, their offer may include payment plans with interest completely waived for the first 6 months if the balance is paid in full within that time. and in the end it would have cost you nothing.

You may be wondering “what is the catch here, how do they make money?”  That is an easy one to answer, our clinic pays a premium on each “loan” to allow clients to get the “interest-waived period” offer while still providing the lending company funds to keep “going”.

Click on the Scratch logo below (or the word to the left), type in your phone number and get started.  In about 90 seconds, you will be told what plans Scratch can offer you and once you choose a plan, further instructions will be provided.  You only have to fill out very basic information.  Because of the way Scratch works, you need to have an idea of what the final bill may be when applying.  Here are “safe” amounts for you to ask for.  You DO NOT need to use all the funds that are made available to you and will only need to pay back the amount you actually use.  The reasons these limits are likely higher than what your visit will cost we recommend higher amounts just to just give you some room to get additional services or products if you change your mind during your exam when your options are explained to you.  While you can get an exam and a rabies vaccine for around $100.00 there are other vaccines that may be recommend that in the end you may decide you want to get based on those recommendations.  Just having the piece of mind to be flexible, in my humble opinion, is worth it.  Currently our exam rate is $70.19 as of October 2025, that along with a rabies vaccination (if due) is the only required amount you would definitely owe at your visit.  Every other service or item is YOUR choice.  We DO NOT recommend any services or items that are not medically ethical for your particular pet.

For example an annual wellness visits with all of the vaccines, x-rays, bloodwork and a year’s worth of flea and tick preventative, we recommend asking for $1,000.00, but this number is fluid depending on what all you want to get.

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For sick pet visits we recommend asking for $1,500.00

We partner with Scratch to make it easier to manage pet care costs. Approvals take just 90 seconds, there’s no hard credit check, and if paid in full within 6 months, interest is completely waived.

All plans are subject to approval. Terms and conditions apply. Scratch Financial, Inc. NMLS ID 1582666

We have other financing options.  Two of them being CareCredit and AllPetCard which are both credit cards.  If you sign up for these as long as you make the required payments on time, you can continue to use these visit after visit.  They both offer deferred interest plans but they are credit cards and have a more involved approval process than Scratch.  While CareCredit and AllPetsCard have their benefits, their approval process is more in-depth because you are getting a revolving credit line that you can use over and over.  If you credit score is good or at least descent and you have multiple pets this may be a good option for you.  I currently have CareCredit but would opt to use Scratchpay just because they are so easy to work with.

I have included those options below as well so you can compare them when making YOUR decision.

The last option I wanted to talk about is an in-house PRE-PAYMENT option that lowers the risk of you needing to come up with funds all at once.  Here is how it works.  AFTER you pay your bill for your current visit, you can set up to have money deposited into your account every 2 weeks or every month.  Since these funds are yours, you obviously would never be charged any interest to use them.  At your next annual visit, those funds would be available to you to use to help off-set the cost of that visit with the services you want for your pet.   If something happens and you choose not to bring your pet into our clinic, you can request a refund of your pre-payment funds at any time.  The Pre-Payment information can be found here.