PetPlanLoans Check Your Rate
Soft Credit Inquiry Only

Flexible Financing Options For Your Pet's Veterinary Care.

Access personal installment loans from $1,000 to $5,000 for unexpected vet bills, surgeries, and dental treatments. Check your tailored options with no credit score impact.

No Hard Credit Pull Direct to Your Account APR from 5.99%
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★★★★★ Rated 4.8 / 5 by over 3,200 pet parents
Happy golden retriever puppy — your pet deserves the best care

Your pet deserves the best.

Coverage for surgeries, dental, diagnostics & routine care.

Why Pet Parents Choose Us

Transparent, straightforward, and built around what matters most — your pet's health.

Transparent Terms

Fixed monthly payments with clear APR layouts. No hidden surprises. Simple rates from 5.99%, with flexible repayment from 12 to 72 months.

Choice of Veterinarian

Use your funds at any licensed emergency hospital or specialist clinic in the US. No network restrictions, no pre-approvals required.

Direct Funding

Once approved, funds are delivered directly to your account as soon as the next business day upon lender confirmation.

How It Works

From checking your options to funding, the process is straightforward.

Step 01

Pre-Qualify Online

Complete our secure online rate-check form. No paperwork, no branch visit, no hard credit pull.

Step 02

Choose Your Plan

Compare personalised offers from our lender network. Pick the monthly payment that fits your budget.

Step 03

Get Vet Funded

Funds are deposited directly to your bank account — often as soon as the next business day after lender approval.

Preview Your Rate

No commitment required — check your tailored options with no credit score impact.

$3,000
$1,000 $5,000 max

Estimated Credit Score

Estimated for your profile

APR Range
9.99%–19.99%
Est. Monthly
$96/mo

Based on a 36-month term. Actual rates depend on full credit review.

View My Personalized Offers

Checking your rate performs a soft credit inquiry, which does not impact your credit score.

Installment Loan Options

Flexible terms designed to fit your budget — not the other way around.

Routine Care

$1,000 – $2,000
  • From 5.99% APR
  • Term: 12 – 36 months
  • Checkups, vaccines, medications
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Most Popular

Advanced Treatment

$2,000 – $5,000
  • From 9.99% APR
  • Term: 24 – 60 months
  • Specialist, dental, diagnostics
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Emergency Surgery

$3,500 – $5,000
  • From 11.99% APR
  • Term: 36 – 72 months
  • Emergency surgery, critical care
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Representative APR: 5.99% – 34.99%. Terms: 12 – 72 months. Maximum loan: $5,000. Rates vary by creditworthiness, loan amount, and state.

Representative Loan Example

Required financial transparency disclosure.

$5,000 Installment Loan

36-Month Term · 11.99% APR

Total Repayable
$5,978.52
Loan Principal $5,000.00
Annual Percentage Rate (APR) 11.99%
Repayment Term 36 months
Estimated Monthly Payment $166.07
Total Interest Charged $978.52
Total Amount Repayable $5,978.52

Representative Example: A loan of $5,000 borrowed over 36 months at an APR of 11.99% results in a fixed monthly payment of $166.07. The total repayment amount over the life of the loan would be $5,978.52. Actual loan terms, rates, and approval depend on individual credit profiles and network lender criteria. Maximum APR: 34.99%. Minimum repayment term: 12 months. Maximum loan: $5,000. No prepayment penalty.

Trusted, Secure & Compliant

256-Bit SSL
Bank-grade encryption
Fair APR Range
5.99% – 34.99%
Pre-Approval Review
Decision on your options
Soft Inquiry Only
Zero credit score impact
BBB A+ Accredited Business ★★★★★ 4.8 / 5 — 3,200+ reviews GLBA Compliant · CCPA Compliant · 50-State Licensed Network

Frequently Asked Questions

Honest answers to help you borrow with confidence.

Your Pet Deserves the Best Care.

Check your personalised options — no commitment, no credit score impact.

Check My Rate

Max loan $5,000 · APR 5.99%–34.99% · Terms 12 – 72 months

Privacy Policy

Effective Date: January 1, 2026

PetPlanLoans.com ("we," "us," or "our") is committed to protecting your personal information in compliance with the Gramm-Leach-Bliley Act (GLBA) and applicable state privacy laws.

Information We Collect

We collect information you provide directly when you request a rate quote, including name, email, phone number, loan amount, and estimated credit score range. We also collect device identifiers, IP address, and usage data automatically.

How We Use Your Information

We use your information to match you with network lenders, improve our services, communicate with you about your inquiry, and comply with legal obligations. We do not sell your personal information to third parties for their marketing purposes.

Data Retention & Your Rights

You may request access, correction, or deletion of your personal data by contacting us at privacy@petplanloans.com. California residents have additional rights under CCPA.

Terms of Service

Last Updated: January 1, 2026

By accessing PetPlanLoans.com you agree to these Terms of Service. This site is operated by PetPlan Financial Services LLC, 106 E. 6th Street, Suite 900, Austin, TX 78701.

Nature of Service

PetPlanLoans.com is a loan marketplace and connection service. We are not a direct lender. Submitting a rate-check form does not guarantee a loan offer or approval. All credit decisions are made by our network lenders.

Eligibility

You must be at least 18 years old, a US resident, and have a valid bank account. Loan availability and rates vary by state and individual creditworthiness. Services may not be available in all US states.

Rate Information

APR ranges from 5.99% to 34.99%. Rates presented are for illustrative purposes. Your actual rate will depend on your credit profile, loan amount, and term selected. Maximum loan amount: $5,000. Minimum repayment term: 12 months.

Limitation of Liability

PetPlanLoans.com is provided "as is." We make no warranties regarding loan approval, rate accuracy, or lender availability. Our liability is limited to the maximum extent permitted by applicable law.

Lending Licenses & Disclosures

PetPlan Financial Services LLC operates as a licensed credit services organization and loan marketplace. License details are subject to change; verify current status with the relevant state regulator.

State License Type License #
TexasCredit Services OrganizationCSO-TX-2026-0441
CaliforniaFinance Lender (DFPI)60DBO-2026-7821
FloridaConsumer Finance LicenseCFL-FL-2026-3305
New YorkLoan Broker RegistrationLBR-NY-2026-0918

For current state-by-state disclosure documents contact legal@petplanloans.com.

CCPA – Do Not Sell My Personal Information

California Consumer Privacy Act (CCPA) Notice

Under the California Consumer Privacy Act of 2018 (CCPA) and the California Privacy Rights Act (CPRA), California residents have the right to know what personal information is collected, request deletion, opt out of the sale of personal information, and not be discriminated against for exercising CCPA rights.

Do We Sell Your Information?

PetPlanLoans.com does not sell your personal information for monetary consideration. We may share certain information with our network lenders for the purpose of facilitating your loan inquiry. You may opt out of this sharing at any time.

How to Exercise Your Rights

PetPlan Financial Services LLC
106 E. 6th Street, Suite 900, Austin, TX 78701
Email: privacy@petplanloans.com
Toll-free: 1-800-555-0000

We will respond to verified requests within 45 days as required by California law.

Contact Us

Mailing Address

PetPlan Financial Services LLC
106 E. 6th Street, Suite 900
Austin, TX 78701
United States

Get in Touch

Email: support@petplanloans.com

Phone: (512) 900-0000

Mon–Fri, 8 AM – 6 PM CT

For loan inquiries, please complete the rate-check form on our homepage. We do not process loan applications via email or phone.