Financing FAQs

We compiled a list of the most common Financing FAQs we’re asked about our Veterinary Financing Program, which is managed by Health Smart Financial Services, to make sure you’ve got the information you need before applying.

Q: Who is HealthSmart?

A: Health Smart Financial Services is Canada’s leading provider of flexible, affordable payment plan options for healthcare treatments. Since their founding in 2009, they have helped over 35,000 Canadians defer their payments – and not their pet’s health.

Health Smart is the preferred financing partner (and a separate entity from Vets To Go) that provides financing options for our clients that may need much-needed surgery, diagnostics, or dental cleanings for their pets, but cannot afford the payment all at once.


Q: Who Determines My Eligibility and Approves My Loan?

A: Health Smart will run a credit check and determine the amount that a client is approved for based on your income, credit score, and several other factors. Vets To Go does not have any input as to whether you are approved or not. We simply offer the option to use financing and facilitate the application process for your convenience.


Q: What is the Minimum Amount I Can Finance?

A: The minimum amount that can be financed is $500 and this is primarily for surgical procedures. We may consider allowing financing for in-home services where the cost is above $500 subject to Management approval.


Q: What Financing Options Do You Offer?

A: We Offer Two Loan Financing Options:

  1. 0% Financing For 3 Months: Under this program, you’ll be given three (3) months to make payments on your pet’s procedure – and there is no interest charged to you Vets To Go has chosen to pay the interest on your behalf as a way to make sure that pets are able to get the care they need and to help give back to the community and help those in need to get access to medical care they would not otherwise have. You would make 3 monthly payments to HealthSmart for the principal (plus a $6.95 monthly admin fee) and we will make the interest payments on your behalf.
  2. 6-24 Month Financing Program: This program is a traditional loan with terms from 6 months – 24 months and you will make monthly payments for the duration of the lending term. Your payments are determined by the amount being financed and what interest rate HealthSmart approves based on your credit score and income. Under this program, the interest rate for the duration ranges between 14.95% – 19.95% (plus a $6.95 monthly admin fee), which are typically lower than most credit card rates (which are typically 21.9% – 28.9%).

Q: How Do I Apply for Financing?

A: You can apply online clicking here. You will be redirected to the Health Smart website and get a financing decision within minutes.


Q: How Long Do I Have to Use My Approved Credit?

A: Your credit approval can be used for up to 365 days. You can fund multiple surgeries or procedures with Vets To Go during this time with your credit approval. After 365 days, Health Smart requires you to complete a new application.


Q: How Do I Know What My Monthly Payment Will Be?

A: You can estimate your monthly payments using Health Smart’s online payment calculator by clicking here.


Q: Is There a Fee or Penalty For Paying My Loan Off Early?

A: No. Health Smart payment plans are repayable in full or in part at any time, with no penalty. To make an extra payment, you can either login to your online account or call us at 1-877-276-2780.