For Pet Owners

Pay Your Vet Bill Over Time

When pet owners cannot afford to pay veterinary bills up front, needed veterinary care may be delayed or denied. FuzzyCat enables pet owners to pay bills over time, with no credit check or high interest fees.

How It Works

Set up your payment plan in minutes

Your clinic must sign up to use FuzzyCat. Once your clinic registers for FuzzyCat, you can sign up to use FuzzyCat by entering your debit card or bank information. Pet owners make a 25% deposit on the total vet bill through FuzzyCat, and FuzzyCat will debit your account for the balance every two weeks in equal amounts. Pet owners pay a 6% fee of the total bill to be able to use FuzzyCat.

There are no credit checks or high interest fees. Your payments go directly to your vet clinic. All you need is a debit card or checking account to use the service.

Step 1

Visit your vet

Get your treatment estimate from any FuzzyCat partner clinic.

Step 2

Enroll online

Enter your bill amount. Connect your debit card or bank account. Review the full payment schedule.

Step 3

Pay 25% deposit

Your deposit is charged immediately via debit card. Your plan is now active.

Step 4

Biweekly payments

6 equal payments are automatically deducted every 2 weeks. Done in 12 weeks.

What you pay

  • Flat 6% platform fee — added to your bill. This is the only cost. No interest.
  • 25% deposit up front — charged immediately via debit card.
  • 6 biweekly installments — the remaining 75% is divided equally and deducted via ACH every 2 weeks.
  • No credit check — your credit score is never affected.

By enrolling, you authorize FuzzyCat to debit your account on the scheduled dates. Overdraft fees or bank charges from failed debits are your responsibility. Terms of Service

Try the payment calculator

Enter your vet bill to see exactly what you would pay. No signup required.

Payment Schedule Calculator

Enter your vet bill to see your exact payment schedule.

$

Vet bill

$1,200.00

Platform fee (6%)

$72.00

Total cost

$1,272.00

Deposit (25%)

$318.00

Payment Schedule

Deposit (today)Due at enrollment
$318.00
Payment 1Week 2
$159.00
Payment 2Week 4
$159.00
Payment 3Week 6
$159.00
Payment 4Week 8
$159.00
Payment 5Week 10
$159.00
Payment 6Week 12
$159.00

Total you pay: $1,272.00

That is $72.00 in fees on a $1,200.00 bill. No interest. No additional charges.

Ready to get started?

Sign up in minutes. See your full payment schedule before you commit.