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Pet care loans

Pay for veterinary care starting at 6.74% APR,

Check your rate with no impact to your credit score.

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Finance your vet bills with a personal loan

Emergency vet surgery

Get funds for urgent surgical treatments for your pet.

Specialist pet care

Finance visits and procedures provided by veterinary specialists.

Long-term support

Pay for ongoing care to monitor and treat long-term illnesses.

Legal fees

Manage the upfront costs to hire a lawyer for representation.

Secure the funds you need for your pet

  • Amounts from $3,000 to $100,000 and terms from 12 to 84 months
  • No origination fee, no closing fee, and no prepayment penalty
  • Interest rate discount of 0.25% or 0.50% with Autopay from a qualifying Wells Fargo account
See options with no impact to your credit.

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Pet care loan FAQs

It's a personal loan used to pay for veterinary bills and other pet-related costs. Pet care loans are used to cover large expenses like emergency surgery, orthopedic care, cancer treatments, and dental work. A pet care loan can also cover X-rays, MRIs, training programs, and extended boarding. When you apply for a pet care loan through Wells Fargo, you can select the loan option that fits your budget.

The first step is to explore your loan options. Check rates and payment amounts with no impact to your credit score. When you find a loan that fits, you can apply in minutes, and most customers get a same-day credit decision. After approval, you could receive your funds as early as the same day you sign, as 97% of customers do.

Pet care loan APRs can differ based on individual factors, including your loan amount, term length, and credit profile. By checking your loan options for a specific amount, you can view the applicable rate. If you have a qualifying Wells Fargo account, setting up Autopay may make you eligible for a 0.25% or 0.50% discount.

You can choose emergency loan amounts from $3,000 to $100,000, with terms from 12 to 84 months.  We're here to support you in finding a loan that works for you. Explore personalized loan options with no impact to your credit score. 

Yes, you can receive a 0.25% or 0.50% interest rate discount on your pet care loan by enrolling in Autopay from a qualifying Wells Fargo account.

Get a loan for pet care in a few quick steps

Check your rate in minutes

Start by exploring your loan options with no impact to your credit.

Choose your loan and apply

Select the rate and monthly payment that suits your needs.

Get your funds fast

Most customers receive their funds the same day they're approved.

See options with no impact to your credit.

Check my loan options

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Helpful resources

How can we help?

The Annual Percentage Rate (APR) shown is for a personal loan of at least $10,000, with a 3-year term and includes a relationship discount of 0.25%. Your actual APR may be higher than the rate shown.

At least 10% of the applicants approved for these terms qualified for the lowest rate available based on data from 01/01/2026 to 03/31/2026. The rates shown are as of 04/02/2026 and subject to change without notice. Your Annual Percentage Rate (APR) will be based on the amount of credit requested, loan term and your creditworthiness. The lowest rate available assumes excellent credit history.

On average, 97% of customers received their funds the day they signed for their personal loan. (Based on data from October – December 2025).

To qualify for a customer relationship discount, you must have a qualifying Wells Fargo consumer checking account and make automatic payments from a Wells Fargo deposit account. To learn which accounts qualify for the discount, please consult with a Wells Fargo banker or consult our FAQs. If automatic payments are canceled, for any reason at any time, after account opening, the interest rate and the corresponding monthly payment may increase. Only one relationship discount may be applied per application.

Representative example of repayment terms for an unsecured personal loan: For $15,000 borrowed over 36 months at 13.99% Annual Percentage Rate (APR), the monthly payment is $513. This example is an estimate only and assumes all payments are made on time.

Late fees may still be assessed.

Important information. We only offer personal loans to existing Wells Fargo customers. For more information about becoming a customer, make an appointment to visit a location near you.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

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