FigCare Pay helps pet owners spread the cost of eligible veterinary treatments, procedures, and pet care services into manageable monthly payments through financing options from multiple lending partners.
Your practice gets access to the tools, application links, and resources needed to start offering patient financing.
Introduce financing during consultations, treatment planning, estimates, checkout, or follow-up.
Once an approved patient's financing is funded, your practice receives payment and the lender handles repayment.
Veterinary financing gives pet owners a comfortable way to pay for care over time, so cost is less likely to stand between a pet and the treatment you recommend.
Pets are family, and the hardest moments in a veterinary practice are rarely medical. They happen at the front desk, when a loving owner learns that the surgery, the diagnostics, or the hospital stay their pet needs costs more than they can pay today. Faced with that number, some owners delay care, decline the recommended plan, or make a decision no one wants to make over money.
A way to pay over time changes that conversation. Most veterinary care is paid at the time of service, and even owners with pet insurance usually have to pay the bill first and wait for reimbursement. When owners know they can spread the cost into monthly payments, more of them can move forward with the care their pet needs, right when it matters most.
With veterinary financing, pet owners can pay in monthly installments while your practice is paid in full, upfront. You keep your fees, the lender handles repayment, and your client can approve the treatment their pet needs.
Get Paid Upfront
Your practice receives the full amount once the loan funds, so you can focus on the patient instead of chasing balances.
Lender Handles Repayment
The lender takes on billing, reminders, and collections, giving your front desk back time for clients and pets.
Keep Your Fees
Offer a flexible way to pay without discounting care or writing off unpaid balances.
Key Takeaways
Veterinary financing lets a pet owner pay for treatment in monthly installments, while your practice is paid in full once the loan funds.
The owner applies, reviews the options they qualify for, and moves ahead if approved. Your practice receives the full amount when the loan funds, and the client repays the lender over a term that fits their budget.
FigCare Pay connects veterinary practices and animal hospitals with a network of lenders that help owners finance surgery, emergency care, diagnostics, dental procedures, and ongoing treatment. Because so much of veterinary care is unplanned and paid out of pocket, a clear way to pay is often what lets an owner approve the full recommendation instead of the bare minimum.
| Stage | What Happens |
|---|---|
Step 1 Apply | The owner applies through your financing link and sees the monthly payment options they qualify for, often in minutes. |
Step 2 Choose an Offer | They compare the offers available to them and choose the term that fits their budget. |
Step 3 Approve the Care | The loan funds, your practice is paid in full, and the owner approves the treatment their pet needs. |
Offer monthly payments through a lender, so owners pay over time while you keep your full fee and skip the billing, collections, and write-offs.
When an owner hesitates at an estimate, it is rarely because they doubt the care. More often, paying the full amount at once feels impossible in the moment. Discounting cuts into fees you have already earned, and carrying a balance yourself asks your team to become a collections department and risks a write-off. Financing keeps both off your plate: the client pays over time, and the lender manages repayment.
Because much of veterinary revenue is paid at the time of service and cannot be billed to insurance the way human care is, that predictability helps you plan around staffing, equipment, and inventory with more confidence.
Owners most often finance emergency care, orthopedic surgery, cancer treatment, advanced diagnostics, dental procedures, and soft-tissue surgery.
Financing fits the higher-cost, out-of-pocket care that owners pay for at the time of service, though eligibility for any specific treatment ultimately rests with the lender.
Emergency & Critical Care
$1,000 – $5,000+
Urgent visits, overnight hospitalization, and stabilization, almost always unplanned.
Orthopedic Surgery
$3,500 – $7,000
Cruciate (TPLO) repair, fracture fixation, and other high-ticket surgical procedures.
Cancer Treatment & Oncology
$5,000 – $15,000+
Chemotherapy, radiation, and surgical oncology delivered over a course of treatment.
Advanced Diagnostics
$500 – $3,500
MRI, CT, ultrasound, and workups needed before a diagnosis or surgery.
Dental & Oral Surgery
$300 – $2,500
Cleanings under anesthesia, extractions, and oral surgery owners often defer over cost.
Soft-Tissue Surgery
$1,500 – $6,000
Foreign body removal, mass removals, and other non-orthopedic surgical care.
Card ranges are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
There is no single national price for veterinary care, but a routine visit often runs under a few hundred dollars, while surgery, emergencies, and cancer treatment commonly reach several thousand.
Veterinary fees vary widely by region, practice type, species, and the severity of the case, and no authoritative body publishes a fixed price list. The typical ranges below reflect what owners commonly pay across the country. For broader context on pet care costs, owners can turn to the pet-owner resources from the American Veterinary Medical Association.
| Type of Care | Typical Range |
|---|---|
| Wellness or urgent exam | $50 – $250 |
| Dental cleaning under anesthesia | $300 – $1,300 |
| Diagnostics (bloodwork, X-ray, ultrasound) | $200 – $1,500 |
| MRI or CT scan | $2,000 – $3,500 |
| Emergency visit with overnight hospitalization | $1,000 – $5,000+ |
| Orthopedic surgery (e.g., cruciate/TPLO) | $3,500 – $7,000 |
| Cancer treatment course | $5,000 – $15,000+ |
Ranges are illustrative of what owners commonly pay and are not a cited national average. Actual fees vary by region, species, practice, and case severity.
Present monthly payments together with the estimate, as a normal way to pay, not only after an owner reacts to the total.
Cost conversations in veterinary medicine are often emotional and time-sensitive. A simple, consistent sequence keeps them calm and respectful for owners and staff alike.
Make financing visible before and during the visit, on your website, appointment reminders, exam-room estimates, and at checkout.
Because emergencies rarely give owners time to plan, the more they already know that paying over time is an option, the calmer the cost conversation is when it counts.
Before the Visit
During the Visit
Financing pays your practice in full upfront and hands repayment to the lender; in-house plans keep the balance, the collections, and the write-off risk on your team.
Veterinary practices collect payment in several ways, and the real difference is how much time and risk each one puts on your team. Financing can also work alongside pet insurance, covering the bill upfront while the owner waits for their reimbursement.
| Payment Method | When You Get Paid | Who Manages Repayment | Admin Overhead | Best For |
|---|---|---|---|---|
| FigCare Pay Financing | In full, once the loan funds | The lender | Low | Surgery, emergencies, and higher-ticket care |
| Pay in Full | Right away | Not applicable | Low | Owners ready to pay upfront |
| Credit Card | After processing | Client and card issuer | Low | Routine visits or small balances |
| Your Own Payment Plan | Over time | You | High | Short-term arrangements you manage yourself |
Consider an owner facing a $4,000 cruciate repair. With your own plan at roughly $650 a month over six months, you perform the surgery and then wait on the balance, and a late or failed payment becomes your team’s problem to chase or write off. With financing, the owner borrows for the procedure, the loan funds, and you are paid in full while the lender handles repayment and sets the rate, term, and approval.
Figures are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
Give pet owners a flexible way to pay monthly while you keep your fees and hand the billing to the lender.
The owner applies directly, the lender sets the rate and term, and once the loan funds your practice is paid according to your agreement.
During the application, the owner may be asked for details about their identity, income, and credit, and the lender decides the offer, including the rate, any fees, and the term.
The process varies from one lender to the next, and many let owners preview their options before a full application. It helps to know how an installment loan is repaid over time so your team can answer basic questions and point the rest to the lender. Once everything is finalized and the loan funds, your practice is paid per your arrangement.
The loan is between the owner and the lender, so repayment issues follow the lender’s policies, while your own estimate and refund terms cover the care itself.
If an Owner Misses a Payment
Missed payments fall under the lender’s policies. Keep clear records of your estimate and the care you have provided.
If the Treatment Plan Changes
Spell out how you handle updated estimates when a case evolves. A change in care does not automatically change the owner’s loan, so communicate any difference before proceeding.
If an Owner Requests a Refund
Set your refund and adjustment terms in the estimate. Any refund follows your agreement and the lender’s terms, since the loan is separate from the care.
Give owners a clear written estimate, present financing as one option among several, and send every question about rates and terms to the lender.
Cost conversations should stay transparent and pressure-free, especially in urgent moments. Keep the estimate and the medical recommendation clear and honest, and frame financing as a way to pay, never as a promise about a pet’s outcome. For guidance on clear estimates and client communication, practices can look to accreditation standards from the American Animal Hospital Association.
| Do This | Avoid This |
|---|---|
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If you regularly see owners decline or delay recommended care over cost, financing is likely a strong fit.
When an owner says some version of “I want to do everything for my pet, but I cannot pay for all of this today,” a flexible way to pay keeps cost from ending the conversation and helps more of them approve the care you recommend.
Add monthly payment options to the estimates and checkout you already run, keep your fees, and get paid in full once the loan funds.
FigCare Pay helps veterinary practices and animal hospitals build financing into their existing process, so cost is one less reason an owner has to say no to the care their pet needs.
Ready to Add Financing to Your Practice?
Request information to see how quickly you can start offering monthly payment options.
Important: FigCare Pay is not a lender and does not make credit decisions. Financing is provided by participating third-party lenders and is subject to eligibility, underwriting, approval, applicable terms, and provider requirements. Cost figures are illustrative typical ranges and do not reflect any specific practice’s fees. This page is for general informational purposes only and is not legal, tax, credit, medical, or financial advice.
Healthcare providers often face the challenge of balancing patient affordability with business growth. FigCare Pay helps solve this challenge by creating flexible financing opportunities for both patients and practices.
Receive full payment within 1–2 business days of approval, no matter the patient's repayment term.
Practices consistently see more treatment plans accepted once monthly payment options are on the table.
Financing is non-recourse, so your practice isn’t responsible for patient repayment or defaults.
A real onboarding and support team helps your front desk get comfortable offering FigCarePay from day one.
Give patients more options to afford treatments without delaying necessary care.
Help more patients say yes to recommended procedures by reducing financial barriers.
Create opportunities for growth with financing solutions designed for healthcare businesses.
Work with a streamlined approach that makes exploring financing options easier.
Patient cost objections are the leading cause of abandoned consultations. Adjust the sliders below to see how offering flexible, point-of-sale financing lifts your case acceptance rate and accelerates annual cash flow.
Projected Annual Practice Growth
Based on a conservative +20% case acceptance lift when offering multi-lender patient payment plans at the point of care.
Projections illustrate potential revenue gains based on benchmark conversion improvements across medical and aesthetic practices. Actual acceptance rates, volume, and collections depend on patient demographics and individual credit tier underwriting.
Financing lets owners cover an unexpected emergency bill and pay it back over time, so a pet can get care right away rather than waiting on the full amount. The owner applies at the practice, sees the monthly options they qualify for, and if approved the loan funds so treatment can begin.
The owner applies through the practice’s financing link, reviews the monthly payment offers they qualify for, and proceeds if approved. Once the loan funds, the practice receives the full amount and the lender manages repayment, so the pet can get the care it needs.
Owners commonly finance emergency and critical care, orthopedic and soft-tissue surgery, cancer treatment, advanced diagnostics like MRI and CT, and dental procedures, as single treatments or a full course of care. Eligibility for any specific treatment is set by the lender.
Financing can cover the full cost of care, commonly from a few hundred dollars up to $15,000 or more for surgery or cancer treatment. The monthly payment depends on the amount financed, the term, and the rate the lender approves, so a longer term lowers the payment but usually raises the total interest.
The practice is typically paid in full once the loan funds and any funding requirements are completed, rather than collecting over months on an in-house plan. Exact timing depends on the lender and the financing product, so follow the funding steps your financing provider outlines.
Connect with FigCare Pay to discover how flexible financing options can help your patients and support your healthcare business growth.