payment options Raleigh, NC,

Healthcare Financing

At Animal Emergency Hospital, we deeply understand that dealing with a pet emergency can be stressful, both emotionally and financially.

To help ensure transparency and ease, we kindly ask that payment is made at the time services are rendered. We will always provide clear estimates for surgeries and hospitalizations upfront so you can make informed decisions about your pet’s care. If you haven’t received an estimate yet, please feel free to ask at any time—we’re here to help and will do our best to work with you on payment options.

Your pet’s health and your peace of mind are our top priorities, and we are committed to supporting you through every step of the process.

  • Cash
  • Debit Card
  • MasterCard
  • Visa
  • American Express
  • Discover
  • CareCredit
  • Apple Pay

Care Credit is a credit card that can be used to pay for out-of-pocket expenses not covered by medical insurance, and special financing options are available that you may not be able to get with other cards.

Pay for health, and wellness care at over 225,000 enrolled providers across the nation. Once you’ve applied, you can use it again and again at any location that accepts CareCredit.

A short term financing option of 6 months no interest is charged on purchases of $200 or more when you make the minimum monthly payments and pay the full amount due by the end of the promotional period. If you do not, interest is charged from the original purchase date.

Scratchpay is a financing option offered through us. Scratchpay uses a soft credit check to assess offers, so no hard check will ever impact your score when applying or accepting. Plus, if you pay off your plan on time, Scratchpay will report positively to credit bureaus–boosting your score

To apply text PAY to +1 213-296-0817 or visit scratchpay.com to begin a 90 second long application. Upon completing the application, you will receive an instant approval decision. You can then hit “Agree and Submit” if you wish to use the plan. 3 payment plans are available:

  • Pay Later Plan: 3 month, 0% APR invoice plan
  • Take 5: 0% APR, easy way to pay 1/5 now, and pay the remaining amounts back every other week
  • Pay Over Time Plans: 12 & 24 month, with interest rates varying by situation

We use Vetbilling.com to manage our payment plans. Vetbilling is an interest-free payment option that allows you to make bi weekly or monthly payments and allows for a smaller up front deposit. There are a few non-refundable, required fees associated with setting up a Vetbilling contract. There are no penalties or fees for early payoff.

We require the following conditions to be met to be eligible for a payment plan:

  • The payment plan payoff cannot be longer than 12 months.
  • Payments must be deducted electronically from a credit card, debit card, or bank account. We ask for two valid forms of payment.
  • The credit card, debit card, or bank accounts on file must have the same name as the person who is signing the contract. That person must be present in the hospital at the time the contract is being signed.
  • A deposit of at least 25% of the final total or the high end of the estimate provided is required or the office call and emergency (whichever is more) is required.
  • If payments are not made on time late fees and return fees are assessed.


A $85 administrator’s fee is applied to the final total when utilizing Vetbilling.  There is an additional $25 fee processed through the Vetbilling website when the contract is finalized. Finally, there is a tiered system of service fees. This is determined based on the deposit that is paid.

  • Tier 1- A 25% deposit of the final invoice or the high end of the given estimate is required. A service fee of 8% of the remaining balance is added to the final invoice.
  • Tier 2- A 30% deposit of the final invoice or the high end of the given estimate is required. A service fee of 5% of the remaining balance is added to the final invoice.
  • Tier 3- A 35% or greater depost of the final invoice or the high end of the estimate is required. A service fee of 3% of the remaining balance is added to the final invoice.

All fees are non-negotiable and required for a Vetbilling account to be set up.

We accept cash, card, and our other payment options (Care Credit and Scratchpay) to go toward the deposit. Only a valid debit card, credit card, or bank account may be used in setting up the Vetbilling contract and for the monthly payments. Paypal, Venmo, and Cash App cannot be used as a valid payment method for the contract. The $25 fee needed to finalize the contract must be paid with the credit card, debit card, or bank account that is set as the default method of payment for the Vetbilling contract. If $25 is not able to be charged at that time, then a Vetbilling contract cannot be set up, and the deposit or invoice must be paid in full.

We offer two options for this plan depending on the maximum amount needed to be financed:

$5,000 Limit:

  • No credit check is required.
  • If the final total or high end of the estimate exceeds $5,000, the amount exceeding $5,000 will be due at the time services are rendered.

$10,000 Limit:

  • A soft credit check is required
  • Based on the credit check, a deposit will be determined based on the total or estimated total of services. This is performed by Vetbilling, and a deposit likely between 25%-75% can be expected.