1. Nature of Service
VetFinanceNow is a financial matching service, not a direct lender, loan broker, or financial advisor. We connect pet owners with specialized funding solutions through our network of independent third-party lenders. We do not make credit decisions, extend credit offers, or guarantee that any consumer will be matched with a lender or approved for care funding. All lending decisions, rates, terms, and fees are determined solely by independent lenders.
2. APR Disclosure
Annual Percentage Rate (APR) represents the yearly cost of a loan including interest and any applicable fees. The APR offered by lenders in our network ranges from 5.99% to 35.99%. The actual APR you may receive depends on your individual credit profile, income, care funding amount requested, repayment term, and the policies of the lender.
VetFinanceNow does not set, negotiate, or guarantee any specific APR.
3. Repayment Terms
Care funding repayment terms offered by lenders in our network range from 61 days to 72 months. Specific repayment schedules are determined by individual lenders and are presented to you before you accept any offer.
4. Representative Example
The following is a representative example only. Actual rates and terms will vary.
| Care Funding Amount | $5,000 |
| Repayment Term | 24 months |
| Annual Percentage Rate (APR) | 15.00% |
| Monthly Payment | $242.43 |
| Total Amount Repayable | $5,818.32 |
| Total Cost of Funding (Interest) | $818.32 |
5. No Obligation
Submitting a request through VetFinanceNow creates no obligation on your part to accept any offer presented to you. You are free to review any offer and decline without penalty.
6. Credit Checks
VetFinanceNow does not perform credit checks. However, lenders in our network may perform a soft or hard credit inquiry as part of their evaluation process. A hard inquiry may affect your credit score. Each lender's credit check policies are described in their own terms and disclosures.
7. State Availability
This service is not available to residents of all states. This service is not available to residents of Arkansas, Connecticut, New Hampshire, New York, Montana, South Dakota, Vermont, and West Virginia, or where otherwise prohibited by law.
8. Not Financial Advice
Nothing on this website constitutes financial, legal, or tax advice. We strongly encourage you to consult a qualified financial professional before entering into any care funding agreement. VetFinanceNow is not responsible for any financial decisions made by users based on information presented on this site.
9. Contact
Questions about these disclosures?
VetFinanceNow
794 Jones Street, Dallas, TX 75204
1-800-VET-FINANCE
support@vetfinancenow.com