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Small Animal Veterinary Emergency and Specialty (SAVES)

Payment Options

Person sitting on a couch with cat laying next to them

Funding your pet’s treatment is a concern for many pet owners. Financial constraints may impact the decision you take on how to treat your pet’s condition.

We understand that these are difficult, personal decisions that are unique to each family; and we respect that in the midst of grappling with a diagnosis and a treatment plan, you are now also grappling with this unexpected new expense.

On the day that services are rendered, we will ask you to pay the estimate in full prior to services being rendered.

Image of Visa, MasterCard, American Express, Discover card, and CareCredit logos

Your options for payment methods include:


Personal Checks: (accepted via Telecheck, ID required)

Credit Card: Master Card, Visa, Discover, American Express

Lines of Credit: Care Credit, Scratchpay, Wells Fargo

Apple/Samsung Pay: (tap to pay)

Lines of Credit

If personal credit, cash, and personal loans from family and friends are not available or do not cover the balance, a line of credit can be an alternative. Care Credit and Wells Fargo provide lines of credit specifically for health-related expenses.

The process is much like a credit card application, the financial institution will evaluate your application and approve you for an amount with a predetermined interest rate and payment terms.

Hospitals in the Ethos network are not affiliated with either of these financial institutions. Our team is happy to help you apply for a line of credit with these institutions. We will help you fill out the form if necessary, provide you with copies of receipts, estimates, and anything else you need in order to expedite the process for you, but we are not involved in their decisions around credit terms and amounts.

If you decide that a line of credit is for you, applying for credit in advance of your pet’s scheduled treatment will ease the process on the day you drop him or her off. If you have arrived at one of our hospitals in an emergency situation, we will be happy to assist you in filling out the form and submitting the application if you so desire. Please speak to a member of our client care team.

Care Credit:

Click here to fill out the application form and start the loan approval process

Plan Types vary and are dependent on the amount spent and term length.


Scratchpay provides simple, transparent payment plans for medical financing.  Scratchpay isn’t a credit card. Checking your plan option will not affect your credit score. Scratchpay says there are no hidden fees, no prepayment penalty, and no deferred interest.

How it works:

  • Apply for a payment plan from your phone or desktop

  • Check your rate and pick your payment plan

  • Get the care you need

Wells Fargo Health Advantage:

Financing is provided with approved credit by Wells Fargo Financial National Bank.

Plan types vary. Deferred interest promotional plans may be available and are subject to Wells Fargo terms and conditions. Please talk to the client care team member helping you with the application.