Sometimes unexpected veterinary costs arise at a difficult moment. We never want finances to delay treatment, especially when swift care can make a real difference to an animal’s outcome. For this reason, PetPeople Vets offer a 0% interest finance option which allows you to spread the cost of eligible treatment over manageable monthly payments.

This service is provided in partnership with CarefreeCredit, a trusted broker working with a panel of UK lenders who specialise in interest-free veterinary loans.

Finance may be used for a wide range of veterinary procedures, including (but not limited to):
• Orthopaedic and laparoscopic surgery
• Dental procedures
• Advanced imaging (e.g. CT scans)
• Planned medical or surgical treatment
• Larger diagnostic workups
All finance applications are considered subject to clinical judgement, to ensure the plan is being used in the best interests of the animal.
PetPeople Vets do not operate our own instalment plans at reception or through the practice. Experience has shown that in-house payment collection often leads to unpaid bills which ultimately take resources away from patient care and place financial burden on the practice.
By using CarefreeCredit:
• Decisions are made instantly and fairly
• The legal responsibilities of lending are handled externally
• Agreements are properly regulated
• Clients receive a transparent repayment schedule from day one
This means we can help more pets, with far less delay and uncertainty.
0% Interest
Term Up to 12 months
Deposit as first instalment taken on approval
Loan amount £50 to £6,000
Application time Around 5 minutes
Approval rate Around 75% nationally
Managed on the secure DivideBuy portal
To apply you must be able to answer YES to all of the following:
1. Aged 18–99
2. Permanent UK resident
3. Have online banking
4. Have an email address
5. Have a UK mobile number
6. Have a debit card capable of recurring payments
7. Have bank two-step authentication set up (for verification codes)
8. Able to make the first payment immediately
A full credit check and affordability assessment is carried out as part of the application.
If a pet owner does not meet the criteria, a family member or friend may apply on their behalf, provided they meet eligibility and are happy to take responsibility for repayments.

Once an application has been submitted and approved, all queries must be handled directly by DivideBuy, not the practice.
Support is available:
• 8am–8pm Monday to Friday
• until 4.30pm at weekends
via the online help desk: https://dividebuy.co.uk/help/
PetPeople Vets take special care when supporting clients who may be vulnerable due to financial, medical or personal circumstances.
We will only introduce a finance application where it is appropriate, understood, and in the animal’s best interests.
Treatment cost: £600
Amount of credit: £600
Duration: 12 months
Initial Payment on Approval £50
Interest: 0%
11 Monthly repayments of: £50
Total amount payable: £600
Smart Vet Ltd. T/A PetPeople act as a credit broker, not a lender.
We introduce clients to CarefreeCredit Ltd, who are authorised and regulated by the Financial Conduct Authority (FRN 729439).
CarefreeCredit arrange loans through UK lenders offering 0% veterinary finance. Credit is subject to age, status, affordability assessment and a full credit check

There are no interest charges, no application fees, and no hidden costs. You simply repay the cost of treatment in monthly instalments, and PetPeople Vets cover the cost of providing this service so that your repayments remain at 0%.

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