When To Pay For Your Pet's Emergency With A Vet Loan

Treatment at a vet can be expensive, particularly if it is an emergency. That’s when a vet loan could offer some financial assistance.

It is common for vet bills to be hundreds, sometimes thousands, of dollars. This shouldn’t be an issue if you have cash readily available. However, many people don’t, so they can make use of a vet loan to ensure that their furry friends get the treatment that they need.
A vet loan can come in the form of an auto title loan. But before you get one, we advise you to consider the following elements to know if you genuinely need access to a vet loan. Here are some of the times when borrowing cash may be a viable option.

When Can You Consider Getting A Vet Loan?

1. When It Is An Emergency 

If it is a genuine emergency, then borrowing could be an option. Although do bear in mind it may not be the only option. We will run through a few more things to consider shortly.

If your pet needs treatment right away and it is not something that you can delay until your next paycheck comes through, then you may want to start considering a vet loan.

2. When You Do Not Have Insurance

An insurance policy is always going to be the best way to reduce the cost of going to the vet. It may not eliminate the expenses, but it should reduce them to a much more manageable amount.

If you do not have insurance, or you don't have the funds to cover the treatment that your insurance doesn't cover, then you may want to consider a vet loan.

after speaking with your vet

3. When You Have Talked To The Vet

Most vets know that their treatment can be expensive. They know that you love your pet. A good number of them may not ask you to pay for the full treatment upfront.

If you are unsure as to whether you can afford the treatment, then talk to the vet. They may be able to come up with some sort of payment plan. If you still can't afford the treatment at this point, it may be time to consider a loan.

4. When You Have Tapped Into Your Savings

If you can, try to pay for as much of the treatment as you can from your savings. If you have exhausted your savings and still have the cash to pay, then borrowing can be an option.

5. When You Have Exhausted All Other Options

Before you turn to a vet loan, you may wish to consider other ways to get your hands on cash. This may include:

  • Asking your friends and family members whether you can borrow cash.
  • Working a few extra hours at work.
  • Selling some of your possessions on Facebook. 

You will be surprised at how much cash you will be able to put together using such methods. You may even be able to afford more expensive treatments.

How A Vet Loan Can Help

Of course, there may be times when you have no choice but to turn to a vet loan. A vet loan, specifically in the form of an auto title loan in Texas, will provide you with fast access to cash. With Texas Car Title and Payday Loan Services, Inc., you can borrow up to $15,000 and receive your loan within the same day you apply or the following business day.

The speed of these loans helps to ensure that you can afford treatment when your pet needs it. These loans genuinely can be an option to help give your pet the life-saving treatment they need.

We welcome you regardless of your credit score. We also welcome alternative income types too. This means that you don't have to worry about your financial history when you’re attempting to qualify for a vet loan.

qualify for a vet loan

How To Use The Auto Title Loan Option

Working with Texas Car Title and Payday Loan Services, Inc. is an option for those looking for an auto title loan.

To be approved for an auto title loan, you must hold a lien-free title to your vehicle. This is because the loan will be secured against your vehicle’s title. The amount of cash available to you will vary based on how much your vehicle is worth. We will always determine vehicle value by using an industry-recognized pricing guide.

In addition to a lien-free title, you will also need the following a state-issued ID and your proof of income.

You can then start the process by submitting the online auto title loan form, which will enable one of our loan representatives to contact you via phone. After that, we will meet you in person at a location of your choice to carry out the vehicle inspection. This is great as it means you won't have to leave your pet alone for too long.

The in-person process for a title loan can take as little as 30-minutes. Approved loans are funded within one working day. 

Get Your Pet The Treatment They Need Today

While there are plenty of options available to fund a pet's emergency vet treatment, you may not be able to take advantage of them. For example, you may not be able to tap into your savings or you may not have pet insurance.

This doesn't mean your pet can't get treatment, though. If you need a vet loan and own a vehicle, then an auto title loan could be an option. Fill in the inquiry form to get started and you could receive the cash you need to cover your pet's treatment today.


Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Emma Frost

Emma Frost is a lifestyle and finance blogger with a talent for communication and a passion for financial literacy. She uses her writing talents to explore topics that help her readers gain financial stability and growth.