Pet Care Credit Card and Financing - CareCredit (2024)

FAQs

What credit score do you need for CareCredit for pets? ›

Key Takeaways. Most people with a credit score of 640 or better will qualify for a CareCredit credit card. Most veterinarians take CareCredit, because it helps them provide services without having to set up internal financing systems for their clients.

Note that CareCredit carries a very high APR (annual percentage rate) of 26.99%. This interest will be charged on the amount you owe starting from the date of purchase if the balance is not paid in full during the grace period.

The CareCredit credit card is a simple, flexible way to pay for a wide range of health and wellness wants and needs for you, your family, and your pets.

Financing Options

CareCredit also offers longer term special financing for 24, 36, 48 or 60-month periods with Reduced APR and Fixed Monthly Payments Required Until Paid in Full.

A CareCredit card has a maximum credit limit of $25,000. For charges of $200 or more, CareCredit offers "no-interest" promotional periods of six, 12, 18 and 24 months, depending on the provider.

I don't want to pay interest.

CareCredit offers deferred interest promotional financing options. As long as you pay the entire balance within the promotional period you agree to, CareCredit won't charge accrued interest. This way, you can spread your payments over time and still avoid paying interest.

With the CareCredit card, you have an up to $25,000 credit limit. That can cover a wide spectrum of medical procedures or treatments.

today. CareCredit, from Synchrony, is one of the largest and most popular health, wellness and beauty credit cards in the nation, serving millions of families each year.

For example, you can see if you prequalify for the CareCredit credit card, which won't affect your credit score. If you're prequalified, accepting and applying for the offer can still lead to a hard inquiry. But you can apply with confidence that your application will likely be approved.

Does CareCredit offer 12 months no interest? ›

No interest if paid in full within six, 12, 18, or 24 months on qualifying qualifying purchases of $200 or more at enrolled provider locations and select retailers in the CareCredit Network.

Use your CareCredit credit card to pay outstanding healthcare bills online. Whether it's a recent visit to the dentist, your pet's vaccinations or your sister's LASIK treatment – CareCredit makes it easy for you to pay on time.

With No Interest if Paid in Full promotional financing options, no interest will be charged on your promotional balance if you pay your balance in full by the end of the promotional period. If you do not, interest will be charged to your account from the purchase date.

If you have good credit and a low debt-to-income ratio, the lender may approve you and offer you its most competitive rates. Even if you're approved, you aren't required to take the loan.

You can get a CareCredit Mastercard cash advance at any ATM or with the convenience checks they send you. In addition, they will treat any purchase of certain cash like items as cash advances.

The credit score you need for the CareCredit Credit Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card.

Most lenders prefer a credit score of 620 or higher. If you are unsure if you qualify for pet financing, you can apply at LendingUSA without affecting your credit score. If you have credit challenges but are able to qualify for pet financing, you should use the financing.

It's easy for your patients or clients to see if they prequalify for the CareCredit credit card. It's a soft credit check with no impact to their credit score*—and that's good news for both them and your practice.

High credit limits, combined with the ease with which CareCredit cards can be obtained, mean that they can be a good way for people with a poor credit history to pay for medical bills. Be warned, though, that CareCredit cards can be expensive if you aren't able to make your repayments on time.