PawfundThey don't knowwhat it costs.They just knowyou came home.
When the estimate is more than you expected, Pawfund turns it into a payment you can manage — so you never have to make that call to your vet.
47,000+ families said yes to treatment
The estimate lands.Your stomach does too.
Maria and her daughter had just walked out of the vet with Biscuit — their 9-year-old golden retriever — and a piece of paper that said $3,200.
Surgery was tomorrow if they said yes. There was no tomorrow if they said no.
This is the moment Pawfund was built for.
I was in the parking lot, crying into my phone. Pawfund approved me before I got home.
Maria Chen
Golden retriever mom, Austin TX
One short form.No paperwork. No waiting room.
While Biscuit napped at home, Maria filled out Pawfund's 3-minute application — pet's name, treatment cost, monthly income. That's it.
No tax returns. No fax machine. No call center hold music.
The progress bar reached 100%. Then her phone buzzed.
Typical review: under 60 seconds
Three minutes on my lunch break. By 12:17 I had a $267/month plan confirmed.
Derek Okafor
Cat dad, Chicago IL
Approved.$267 a month. 12 months. 0% interest.
Maria called the vet back. Surgery was confirmed for 7 AM tomorrow.
The total cost of $3,200 became $267 a month — the same as a streaming subscription and two coffee runs.
Biscuit didn't know any of this. He just wagged his tail when she walked in.
The second I saw 'Approved' I just started sobbing. Happy sobbing.
Priya Nair
Senior cat owner, San Jose CA
He made it home.She drew a picture to prove it.
The surgery took four hours. The bandage would stay on for two weeks. The crayon drawing went straight to the fridge.
The first payment wouldn't come out for 30 days. By then, Biscuit was already stealing socks again.
This is what saying yes looks like.
There's a way tomake it work.
See your payment options in 60 seconds. No obligation, no hard credit pull, no forms that feel like tax season.
0% interest plans available · Decisions in 60 seconds · Works with 4,800+ vet clinics
Things families ask usbefore they apply
Our initial eligibility check is a soft pull — it does not affect your credit score. A hard pull may occur only if you choose to accept a payment plan.
Pawfund works with emergency surgeries, diagnostics, dental procedures, cancer treatment, orthopedic care, and most planned procedures. If your vet accepts Pawfund, your treatment qualifies.
Most families receive a decision within 60 seconds of completing the short application. In rare cases requiring manual review, decisions come within 2 business hours.
Yes. You can apply first and then share your Pawfund approval letter with any vet. We also have a vet onboarding team that can bring your clinic into our network within 24 hours.
We offer 0% interest plans for 6 and 12 months for qualifying applicants. Extended plans up to 24 months are available with rates starting at 9.9% APR. All terms are shown clearly before you accept.