Pet Financing & Credit Marketplace

EVERYgood homedeservesa pet.

Monthly payments for adoption fees, breeder purchases, and emergency vet bills — built for real families, not perfect credit scores.

🏥 Find a Partner Vet🐾 Browse Breeders & Shelters
✓ No SSN required to check rate✓ Soft credit pull only✓ 2-minute application
Emergency Care
$3,800
→ $127/mo
0% APR, 30 months
Approved ✓
Credit score: 598
Still approved!
🦎
Reptile Setup
$1,200
$$$
Good homesshouldn't needperfect credit.
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🐕 Dogs·🐱 Cats·🦎 Reptiles·🐦 Birds·🐇 Rabbits·🐠 Fish·🦜 Parrots·🐍 Snakes·🐾 Exotic Pets·🏥 Emergency Vet·🏠 Shelter Adoptions·🐕‍🦺 Breeders·💊 Medications·🦮 Service Animals·🐕 Dogs·🐱 Cats·🦎 Reptiles·🐦 Birds·🐇 Rabbits·🐠 Fish·🦜 Parrots·🐍 Snakes·🐾 Exotic Pets·🏥 Emergency Vet·🏠 Shelter Adoptions·🐕‍🦺 Breeders·💊 Medications·🦮 Service Animals·
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Pets financed
0%
Approval rate for first-time owners
0% APR
Introductory rate available
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Partner vets & shelters
0 min
Average application time
Real Stories

Every pet,
every family.

14,800+ pet parents have used Paws. Here are a few of their stories — in their own words.

Calcifer the bearded dragon sitting on a rock under heat lamp
🦎 Bearded DragonCalcifer

"I never thought I'd qualify for anything. Paws approved me in under 3 minutes and Calcifer has his dream terrarium."

Marcus Webb
Austin, TX
$1,200
$42/mo
How It Works
📝
Tell us your need
Name, amount, and pet type. No SSN on step one.
⚡
Soft credit check
See your rate in 60 seconds. Zero impact to your score.
🐾
Pay monthly
Flexible terms from 6 to 36 months. No prepayment penalty.
Veterinary Invoice
Maple — 🐱 Tabby Cat
Feb 2026
$4,100
Emergency bowel obstruction surgery
With Paws
Monthly payment$137/mo
Term30 months
Upfront today$0
The Okonkwo Family · Atlanta, GA
“

"My rescue mutt Bruno needed ACL surgery. The vet quoted $3,500. I was ready to cry. Paws had me approved before I left the parking lot."

🐕
Priya Nair
Seattle, WA · 🐕 Mixed Breed
🏠 Shelter Partner
Humane Society of Greater Chicago
Official financing partner since 2024
847 pets financed
Cute golden retriever puppy lying on grass looking at camera
🐕 Golden RetrieverBiscuit

"We found Biscuit at a breeder for $2,800. Felt like a dream we couldn't afford. Paws made it $94/month."

Jordan & Chloe Harrington
Denver, CO
$2,800
$94/mo
🐕 Breeder Partner
Rocky Mountain Doodles
AKC-registered breeder, CO
Avg. loan: $2,400
598
Average credit score we approve
Traditional lenders require 680+
Orange tabby cat resting peacefully on a cozy blanket
🐱 Orange TabbyMochi

"Mochi is 12 years old and still full of life. When she needed a $2,200 dental procedure, Paws said yes when my bank said no."

Diana Castellanos
Miami, FL
$2,200
$74/mo
Why Paws is Different
🌿No shame, no judgment — we built this for real families
🔒Bank-level 256-bit encryption on all applications
📋No prepayment penalties — pay off early anytime
💬Real humans answer the phone, Mon–Sat 8am–8pm
Partner Network

Find a vet
near you.

320+ veterinary clinics, shelters, and breeders accept Paws financing directly. No paperwork, no waiting — they've already said yes.

View all 320+ partners
Veterinarian in green scrubs examining a dog in a bright clinic⭐ Top Partner
Emergency & Surgery

Greenway Animal Hospital

📍 Austin, TX
Avg. loan
$2,100
Friendly vet tech holding a small orange kitten in a clinic🐾 Cat Specialist
General Practice

Willow Creek Veterinary Clinic

📍 Portland, OR
Avg. loan
$890
Veterinarian examining a colorful parrot in an exotic animal clinic🦎 Exotic Specialist
Exotic & Reptile

Desert Sun Exotic Animal Care

📍 Scottsdale, AZ
Avg. loan
$1,400
Emergency veterinary team attending to a dog in a well-lit surgical room🚨 24/7 Emergency
24/7 Emergency

Northside Emergency Pet Center

📍 Chicago, IL
Avg. loan
$3,600
Shelters & Breeders
🏠
Shelter Partner

Midwest Animal Rescue Alliance

📍 Chicago, IL
1,200+ adoptions financed
🐕
Breeder Partner

Sunrise Goldendoodles

📍 Nashville, TN
Avg. puppy: $2,600
🐱
Rescue Partner

Gulf Coast Cat Rescue

📍 Houston, TX
340 cats rehomed this year
🐕🐱🦎🐦🐇🐾
No credit impact · 2-minute application

Your pet is waiting.
Your rate takes 60 seconds.

No SSN on page one. No hard credit pull. Just your name, how much you need, and what kind of pet. That's it.

Paws Financial is not a bank. Rates from 0%–35.99% APR. Subject to credit approval. Not available in all states.