Vet Bill Loans: Options to Pay for Emergency Pet Care
When your pet needs care right away, the bill can be hard to plan for. Request $200 to $5,000 for a vet bill and see whether lenders in our network have offers for you.
Tilt App is a loan-matching service, not a lender. Submitting a request doesn't guarantee an offer.
How vet bill loans work
A vet bill loan is usually a personal loan you use to pay the clinic. You repay the lender over time, while your pet gets treatment now.
Ask the clinic for a written estimate and whether there are treatment options at different costs. Some clinics will also discuss payment arrangements.
Paying a vet bill
Varies by lender- Ways to pay
- A clinic payment plan, a pet insurance claim, assistance from a nonprofit, a credit card or a personal loan
- What to have ready
- A written estimate for the treatment plan
- Amounts you can request
- Any amount from $200 to $5,000
- APR range
- 5.99%–35.99%
- Example
- a $2,000 loan with a 24.99% APR repaid over 24 months would have a monthly payment of about $106.39 and a total repayment of about $2,553.36. Your actual rate, term and payment depend on the lender and your creditworthiness
Rates, fees and terms are set by each lender and depend on your credit profile, term and state.
Before you borrow for a vet bill
A few steps that can lower what you need to borrow.
- Ask for a written estimateRequest an itemized estimate for the treatment plan, including follow-up visits and medication.
- Ask about treatment optionsYour vet may be able to suggest options at different costs.
- Check your pet insuranceIf your pet is insured, ask how claims work. Many policies reimburse you after you pay, so you may still need to cover the bill first.
- Ask about payment arrangementsSome clinics offer payment plans or accept third-party financing.
Other ways to pay
Depending on your situation, these may cost less than a loan.
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Pet insurance claim
If your pet is insured, a claim may reimburse part of the cost after you pay.
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Animal welfare assistance
Some nonprofits and local shelters help with vet costs for owners who qualify.
Assistance programs
How much do you need?
Base your request on the estimate or bill, and borrow only what the urgent part costs. You can request any amount from $200 to $5,000.
Rates and terms vary by lender: 5.99%–35.99%
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$500 loan options
For a smaller vet bill.
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$1,000 loan options
For a mid-size vet bill.
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$2,000 loan options
For a larger vet bill.
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$3,000 loan options
For a major vet bill.
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$5,000 loan options
For several costs or a major vet bill.
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Compare all loan amounts
Or enter any amount from $200 to $5,000.
Other unexpected expenses
Guides for other bills that can't wait.
Vet bill loan questions
More answers in the help center.
Can I use a personal loan for a vet bill?
Yes. Most personal loans can be used for vet bills; check the lender's terms for any restrictions.
How much should I borrow for a vet bill?
Use the written estimate, including follow-up visits and medication, and borrow only what you need. Compare loan amounts.
What if my pet insurance reimburses me later?
A loan can cover the bill now. When the reimbursement arrives, you may be able to pay part of the loan off early, so check whether the lender charges a prepayment penalty.
Can I get a vet bill loan with bad credit?
You can submit a request whatever your credit history. Lenders decide based on their own criteria, and no one can promise approval. See bad credit loan options.
How fast can I get money for a vet bill?
As soon as the next business day after you’re approved, though exact timing depends on your lender and your bank If treatment can't wait, ask the clinic about a deposit or payment arrangement.