No animal should go without proper medical care because of a lack of funds. But, unfortunately, it happens. A recent study found that every six seconds, a pet owner receives a medical bill for $3,000 or more. Not everyone can handle such a financial hit. To cover those costs, some independent veterinarian clinics may offer payment plans that let you spread the cost of your pet’s medical emergency over several months or years. Some vet clinics partner with lenders that specialize in finance plans to take care of a pet’s medical bills. ScratchPay offers simple payment plans for pet owners who need time to pay off their vet bills. ScratchPay breaks your debt down into three to 24 manageable payments, and you won’t pay interest on loans with fewer than five payments.  Best of all, no hard credit checks are required for approval, so it’s a viable option for all credit types. Loan payments may be due biweekly or monthly, depending on the plan you choose. If you can’t access a payment plan, you can consider nationwide and statewide organizations that provide varying levels of aid to pay for a pet’s medical care.