Care Credit for Pets - Where to Get Money
to Be a Responsible Pet Owner

It is not a secret that Americans spend more on pets than citizens of any other country in the world. However, it may be tough sometimes to keep a pet, especially when unexpected expenses leave you with a dent in your wallet. It may seem you can afford a pet, but sometimes they require some extra spendings you can't foresee and get ready for. For such cases, a care credit for pets was created. Let's find out what options you have if you need some additional pet financing and what basic expenses you can face during your pet ownership.

What Are The Basic Pet Owner Expenditures?

Statistics say that you can find yourself spending over $1,400 for a dog and about $1,000 for a cat per year. And your expenses may be even higher during the first year of owning a pet. Here are the basic expenditures you need to be ready for as a pet owner.

Recurring Medical Expenses

Except for first-year expenses that include vaccinations, microchipping, checkups, spaying, neutering, and other vital costs, you will also face recurring medical expenses that are hard to foresee. Unfortunately, your pet is not immune from diseases, just like you. So you need to be ready for it when you decide to keep one.

Food & Treats

Each pet needs a special food that will keep your four-legged friend healthy, cheerful, and active. Food for dogs can cost you up to $50 per month unless your pet is on a special diet, which can raise the cost up to hundreds. With treats, it's approximately $10-50 per month. Cat food runs from $10-40, with treats ranging from $10 to $50.

Training Classes

If you're a dog owner, sometimes you may need a behavior correction for your pet so that both of you can live comfortably with each other. Often this requires resorting to the services of specialists - dog handlers or trainers. The cost depends on the qualifications of the trainer and the complexity of the case and starts from $30 per session.


Grooming is not only a matter of the beauty of the appearance of a particular breed but also a matter of hygiene and the healthy skin of a pet. Therefore, it is recommended for both dogs and cats to visit the groomer at least a couple of times a year.

Pet Insurance

This one can help you sleep at night, knowing your pet can get fast medical assistance when needed. Although it's hard to find a pet insurance program that will cover all possible medical expenses your pet may need within the lifetime, it can still keep your wallet safe in some common cases.

Other Expenses

Also, in addition to the expenses above, you can add walking services, boarding facilities, and ammunition. In this way, the total amount may increase by several times.

What Is a Care Credit for Pets?

If you don't have a pet insurance policy or face medical expenses that are not covered by it, a CareCredit card is always here to help. It can give you access to money you need to pay for your out-of-pocket expenses associated with your pet's health. Care Credit for dogs, in addition to pet insurance, can save you money in the long run. However, a care credit card can only be used for health services. You can't pay for food, toys, or any other items for your four-legged family member. One care credit card can be used to pay for the services of more than 250,000 providers.

How to Apply for Care Credit for Pets?

You can get Care credit for animals by applying online. It takes you a few minutes to fill out a submission form and pre-qualify. If approved, a lender will contact you and tell you about the next steps you need to take.

What Are Pet Care Credit Alternatives?

You can find multiple pet care loans that allow you access to additional funds in case of any emergencies associated with keeping a four-legged friend.

Payday loans. A payday loan is a suitable option for unexpected cases. If you suddenly need money to provide medical assistance for your pet or buy food that you unexpectedly ran out of, this loan can help you overcome these small problems quickly. You can apply for a payday loan online in minutes, and the money will reach your bank account within one business day. You can get such a loan even if you have a bad credit score.

Personal loans. A personal loan is an option that can help you cover significant expenses, for example, surgeries or preparing a pet for an exhibition. You can typically get up to $100,000 with repayment terms between 12 and 60 months. However, you need to have good credit to get a loan and get ready for a hard credit inquiry.