Financing & Payment Plans
Easy Credit Card Financing for Pet Care
The CareCredit credit card provides a flexible payment option for your veterinary expenses.
* Subject to credit approval. Minimum monthly payments required.
Payment Plan Options With Scratchpay
Scratchpay offers simple, friendly payment plans for veterinary care that won’t affect your credit score.
* Subject to credit approval.
The following are some of the most common questions our vets get about financing patients' care with the CareCredit credit card.
- What is CareCredit?
CareCredit is a healthcare credit card. It can serve as a way to pay for a variety of medical expenses, including your pet's veterinary care with convenient monthly payments.*
The CareCredit card is accepted at over 250,000 providers and retail locations across the country such as Carolina Veterinary Specialists.
*Subject to credit approval.
- How do I apply for a CareCredit card?
The fastest way to apply for a CareCredit card is to visit their website here. There, you can see if you pre-qualify for a CareCredit credit card and, if pre-qualified, you can preview your credit limit.
After checking whether you pre-qualify, you can either apply online at the link above, by phone or in person at our Charlotte clinic or another participating healthcare office.
*Applicants must be at least 21 years of age to apply by phone (must be 18 or older to apply through other means). Applicants by phone must have written copy of the credit card agreement before proceeding, which can be printed from carecredit.com or can be obtained from our clinic.
- How do I use my CareCredit card?
You can use your CareCredit card just like you use any other credit card.
As long as you stay within your credit limit, you can use your card to pay for any veterinary expenses you may have at Carolina Veterinary Specialists or other participating healthcare providers without needing to apply each time.
- What procedures can I use my CareCredit card for?
The CareCredit card can be used for veterinary medical procedures at providers in the CareCredit network, from surgeries and routine exams to dental care and more.
The following are some examples of the treatments and procedures that a CareCredit card can be used for:
- Annual check-ups
- Teeth cleaning
- Pet food and nutrition
- Spay and neutering
- Surgical procedures
- Emergency services
The following are some of the FAQs asked by our clients about the financing options provided by Scratchpay.
- What is Scratchpay?
Scratchpay is a simple financing solution, designed to provide simple and transparent payment plans for financing the costs associated with veterinary care in addition to other healthcare costs.
- How do I apply for Scratchpay?
Applicants for Scratchpay financing must be U.S. Residents that are 18 years of age or older. Children under the age of 18 are not eligible to participate in the offerings on this website.
You can apply for a Scratchpay payment plan from any internet-connected device at the link to the left and receive a decision instantly without any hard credit checks that may impact your credit score.
There is no need to wait until you arrive at our Charlotte office to apply. We recommend, however, that you contact us in advance for an estimate of the cost of care before applying for Scratchpay.
If you have any questions before your application, our veterinary team would be more than happy to address them at your appointment or by phone.
- Is Scratchpay accepted by all veterinary clinics?
No. Scratchpay is exclusively accepted at partner clinics that have registered to provide their clients these services, such as Carolina Veterinary Specialists.
- What kind of medical bills can I use Scratchpay to pay?
As long as your veterinarian is a Scratchpay partner like Carolina Veterinary Specialists, you can apply to use Scratchpay to create payment plans for as may expenses as you need.
Applying will not affect your credit score and you will be informed about what plans are available for your pet's care within seconds of applying.