Unfortunately, a lot of vets don’t offer payment plans, which sucks when it’s a situation of life & death for a pet. I first used Denefits when my vet mentioned it as a financing solution. I was getting ready to apply, but my vet said they didn’t need to run a credit check and that I’d be instantly approved! My credit isn’t the best either, so I thought I’d be denied so that was a relief. Throughout my contract, Denefits kept in touch and made sure I understood the charges. I personally never had an issue.