Flexible Pet Loans for Vet Surgeries and Emergencies

Q: How Fast Can I Get Funds for Treatment?

Funding time depends on the individual lender. If approved, funds may be deposited into your bank account within a few business days, depending on the lender and your bank.

When your pet needs urgent medical attention, you may not know how to pay for it upfront. Whether it is a sudden accident or a necessary surgery, we can help you try to connect with a lender or lending partner providing pet loans.

Request a Pet Loan

What Is a Pet Loan and How to Use It?

A pet loan is any type of personal financing used to cover veterinary expenses. Many pet insurance plans reimburse you after you pay the vet. A pet loan puts funds in the borrower’s account. Some borrowers use these funds to:

pay the veterinarian,
cover medication costs,
or handle follow-up therapy.

Note: Approval is not guaranteed and depends on the individual lender. Loans for borrowers with lower credit scores may carry higher interest rates and fees.

Average Pet Care Costs

Veterinary bills can escalate quickly, especially during emergencies. Below are common price ranges for standard procedures and urgent care to help you gauge how much financing for vet bills you might need. Costs vary by location, pet size, and condition.

Service / Procedure	Estimated Cost
Annual Veterinary Visit	$50–$300
Vaccinations (per vaccine)	$15–$100
Medications & Supplements	$10–$80
Dental Cleaning	$300–$1,500+
Emergency Care Visit	$250–$5,000+

How to Get a Loan for Vet Bills?

When your pet needs care, you want to focus on them, not on complicated paperwork. At BuddyLoans, we have designed a simple process to help you check your potential loan options.

Submit Your Request Online

Complete our simple, secure online form. We ask for basic personal and financial information to help us understand your needs, such as:

Your name
Address
Date of birth
Social Security number
Phone number and email
Employment status
Monthly income
Monthly housing costs
The loan amount you want

We Search Our Network

Once you click submit, we can share your request with our network of lenders who may offer pet loans, also known as personal loans for your pet’s medical expenses. Approval is dependent on each lender’s criteria.

If Connected, Continue Toward an Offer

If you connect with a lender, you can work with them to submit your application and eventually review the interest rate, terms, and repayment schedule. If you’re approved, the money is sent to your bank account typically within a few business days of accepting the offer.

Our Benefits

Why choose BuddyLoans when searching for veterinary financing?

All Credit Types Considered

We believe financial hurdles shouldn't stand in the way of essential care. Our network includes a diverse range of lenders and lending partners, many of whom look beyond just a credit score to evaluate your request.

Free & Secure Request

Our service is completely free to use, and we prioritize your privacy. We use advanced security measures to protect your data, allowing you to search for lenders without paying fees or compromising your personal information.

Other Ways to Use Your Short-Term Personal Loan

Beyond specific pet financing, short-term loans can also help in these related situations:

Bad Credit Loans

Our partners consider factors beyond just your credit history, providing potential options for those who may not qualify for traditional financing.

Installment Loans

Borrow a lump sum and repay it with fixed monthly payments, making it easier to budget for expensive procedures over time.

Emergency Loans

A practical solution for sudden expenses like after-hours vet visits, designed to help you cover unexpected costs quickly.

Personal Loans

Versatile loans that offer a flexible way to fill short-term budget gaps. While pet loans are commonly used for veterinary care, many borrowers choose short-term personal loans that can also help cover unexpected pet-related expenses.

FAQ About Pet Loans

Can I Request a Loan if I Have a Low Credit Score?

Yes. Consumers with all credit types are welcome to submit a loan request. While we cannot guarantee approval, we work with lenders who may be able to provide financing options to those with limited or lower credit histories.

Please note that loans for borrowers with lower credit scores may carry higher interest rates.

How Fast Can I Get Funds for Treatment?

The timing depends on the individual lender. However, if you are connected with a lender and approved, funds may be available in a few business days, depending on your lender and bank.

Do Lenders Perform a Credit Check?

Some third-party lenders and lending partners in our network will perform a credit check to evaluate your creditworthiness.

Can I Use the Loan for Any Vet?

Yes. If approved for a personal loan, the funds are deposited into your bank account. You can use them at any veterinary clinic, emergency hospital, or specialist.