Flexible Payment Solutions That Work for Your Family
We understand that unexpected veterinary costs can create stress for pet owners who want the best care for their dogs and cats. At Pawtown Veterinary Care, we believe financial concerns shouldn’t prevent your pet from receiving the treatment they need. That’s why we’ve partnered with trusted financing providers to offer flexible payment options that fit your budget and help you focus on what matters most: your pet’s health and recovery.
Financing Information
Two financing partners designed to meet different needs
We’re proud to offer financing through both CareCredit and Scratch Pay, giving you options no matter your financial situation. CareCredit provides promotional financing with no-interest payment plans for qualified applicants, making it an excellent choice for pet owners with established credit. This option allows you to spread treatment costs over time without accruing interest charges during the promotional period. Scratch Pay offers an alternative financing structure that’s often easier to qualify for, with a straightforward loan-style approach and flexible approval criteria. While Scratch Pay’s interest rates may be higher than CareCredit’s promotional offers, it provides access to payment plans for pet owners who might not qualify for traditional financing.
Both options accept applications quickly and provide immediate decisions, so you can move forward with your pet’s care without delay. Whether you’re facing an urgent care situation during our business hours or planning for routine procedures like spaying, neutering, or dental cleanings, these financing solutions help make veterinary expenses manageable through monthly payments that work with your household budget.
- Split large veterinary bills into smaller monthly payments
- Quick application and approval process
- No need to delay necessary care while saving up
- Payment plans available for both emergency and routine services
- Options for various credit profiles and financial situations
Our team at Pawtown Veterinary Care can answer questions about both financing options and help you determine which solution best fits your needs. We’re committed to transparency about costs and payment options, ensuring you can make informed decisions about your pet’s care without financial surprises.
The Process of Obtaining Financing
We’ve made it easy to explore and apply for financing options, whether you’re planning ahead for a procedure or dealing with an unexpected veterinary need. Here’s how the financing process works:
Explore Your Options
Review the CareCredit and Scratch Pay information on this page to understand which financing solution aligns with your financial situation. You can use the CareCredit payment calculator below to estimate monthly payments based on your estimated treatment costs, or visit Scratch Pay’s website to learn about their approval criteria and loan terms.
Apply for Financing
Submit your application directly through CareCredit or Scratch Pay’s secure online platforms. Both providers offer quick digital applications that provide immediate credit decisions in most cases. You can complete this step before your appointment or while you’re at our clinic. Our staff can provide Wi-Fi access and a quiet space if you prefer to apply in person.
Receive Your Approval
Most applicants receive an instant decision about their financing approval and credit limit. This information helps you and our veterinary team plan the appropriate level of care within your approved budget. Your approval remains valid for future visits as well, not just your immediate appointment.
Use Your Financing for Treatment
Once approved, simply let our front desk team know you’ll be using CareCredit or Scratch Pay to pay for services. We’ll process the payment through your financing account, and you’ll make monthly payments directly to your financing provider according to your agreed-upon terms. You can use your financing for a wide range of services, from urgent care visits to routine wellness appointments and procedures.
Why Financing Matters for Central Oregon Pet Owners
Protecting Your Companion Without Breaking the Bank
Living in Bend means your dog or cat likely enjoys an active lifestyle alongside you, whether that’s hiking trails, exploring the Deschutes River, or playing in the snow at Mount Bachelor. This outdoor-focused lifestyle brings unique health considerations, from potential wildlife encounters and tick exposure to seasonal injuries and environmental hazards. Unexpected veterinary needs don’t always align with budget planning, especially when your pet requires urgent care during our Monday through Friday business hours.
Financing options ensure that when your adventure-loving dog tears a pad on a trail or your cat develops a sudden illness, you can provide immediate treatment without depleting emergency savings or delaying care while you arrange funds. Many of our clients use financing for larger planned procedures as well—spaying and neutering, comprehensive dental cleanings, or vaccine series for new pets—allowing them to spread costs over several months rather than paying a large sum upfront.
As a locally-owned practice, Dr. Erin Miller and Dr. Lauren Stayer understand the financial realities Bend families face. Unlike corporate veterinary chains that may offer limited payment flexibility, we’ve specifically chosen financing partners that provide genuine alternatives for our community. Our goal is to maintain the hometown, family-oriented care you expect from Pawtown Veterinary Care while ensuring financial barriers don’t prevent your dog or cat from receiving the quality veterinary services they deserve.
Frequently Asked Questions
We know financing decisions come with questions, especially when it involves your pet’s health and your family’s budget. Here are answers to some of the most common questions we hear from Bend pet owners about using CareCredit and Scratch Pay at Pawtown Veterinary Care.
Can I use financing for routine wellness visits and vaccinations?
Yes, both CareCredit and Scratch Pay can be used for routine preventive care, not just emergencies. Many pet owners use financing to spread the cost of annual checkups, vaccine series, dental cleanings, and spay/neuter procedures across manageable monthly payments.
How quickly will I know if I'm approved?
Both financing providers offer instant or near-instant credit decisions in most cases. You can apply online before your appointment or during your visit to our clinic, and typically receive approval information within minutes so we can proceed with your pet’s care right away.
What if I need care outside your business hours?
Our financing options are available for services provided during our regular hours: Monday through Friday, 8am to 5pm. For after-hours emergencies, you’ll need to visit an emergency veterinary facility in the area. However, you may be able to use your CareCredit or Scratch Pay financing at other veterinary clinics that accept these payment methods, so it’s worth checking with emergency providers about their payment options.