Pet Health on a Budget: Using Financing for Veterinary Costs

As pet owners, we all want the best for our furry friends. We do our best to provide them with a happy and healthy life, but sometimes unexpected expenses can arise. One of the most common unexpected expenses that pet owners face is veterinary costs. Veterinary care can be expensive, and in some cases, difficult to afford. This is where consumer financing for veterinary costs can be a valuable resource for pet owners. Consumer financing is a way to pay for goods and services over time. It allows you to spread the cost of a purchase over a period of months or years, rather than paying for it all at once. Consumer financing can be used for a variety of purposes, including purchasing a car, buying a home, or paying for veterinary care for your pet. There are many different types of consumer financing available, including credit cards, personal loans, and payment plans. Each of these options has its own advantages and disadvantages, and it’s important to understand the differences between them in order to choose the best option for your needs. Credit Cards Credit cards are one of the most common forms of consumer financing. They allow you to make purchases on credit and pay for them over time. Many credit cards offer rewards programs or cashback incentives, which can make them an attractive option for pet owners who need to pay for veterinary care. Personal Loans Personal loans are another option for financing veterinary costs. They can be obtained from banks, credit unions, or online lenders. Personal loans typically have fixed interest rates and fixed repayment periods, which can make them a good option for pet owners who want to know exactly how much they will be paying each month. Payment Plans Payment plans are another form of consumer financing that can be used for veterinary care. Many veterinary clinics offer payment plans that allow pet owners to spread the cost of veterinary care over several months. These plans typically require a down payment and charge interest or fees, but they can be a good option for pet owners who need to pay for veterinary care but can’t afford to do so all at once. Consumer Financing One of the benefits of consumer financing for veterinary care is that it allows pet owners to get the care their pets need without having to worry about the cost. This can be especially important in emergency situations when time is of the essence. If your pet needs urgent veterinary care, consumer financing can allow you to get them the care they need without having to wait until you have the funds to pay for it. Another benefit of consumer financing for veterinary care is that it can help pet owners budget for unexpected expenses. Many pet owners don’t have a lot of money set aside for unexpected veterinary costs, and they may not be able to pay for these expenses all at once. Consumer financing allows pet owners to spread the cost of veterinary care over time, which can make it easier to budget for these expenses. Consumer financing can also be a good option for pet owners who want to provide the best possible care for their pets. Veterinary care can be expensive, and it’s not always covered by pet insurance. If you want to provide your pet with the best possible care, but you can’t afford to pay for it all at once, consumer financing for veterinary costs can be a valuable resource. It’s important to explore all of your options before choosing a financing option. Some veterinary clinics may offer discounts or payment plans that don’t charge interest or fees. You may also be able to negotiate a payment plan with your veterinarian that works for both of you. United Credit strives to keep the content shared on this blog accurate and up to date. You are urged to consult with business, financial, legal, tax and/or other advisors and/or medical providers with respect to any information presented. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial or medical institution. This content is intended for informational purposes only. Want more information on your financing options for veterinary care? You can submit a loan application, or visit our Veterinary & Pet Care Financing page. Follow us on social: Linkedin-in Facebook-f Instagram Twitter

4 reasons every business needs consumer financing

It’s good to have options. As a business owner, giving your current and potential customers options that allow them to make a large purchase can make all the difference. Those large upfront purchases can be more obtainable for potential customers by offering consumer financing. Instead of walking out the door, they stay and become a customer. Recently, Brett Walisever, VP of Strategic Accounts at United Credit, sat down to discuss the benefits of consumer financing and how United Credit helps merchants build their businesses. Whether you’re looking to build your customer base, meet the demands of price-sensitive customers, or expand into new markets and increase sales, consumer financing could be the key to success. Here are four reasons to incorporate a consumer financing option into your business. 1. Improve your cash flow by saying ‘yes’ to more customers For major purchases of items or services like a new refrigerator or emergency dental care, these are essential. These purchases must be made immediately, to return to normalcy or even alleviate pain in some cases. According to a recent study, 56% of Americans can’t cover a $1,000 emergency expense with their savings. When faced with an expense of that size, financing can help. Without the option of financing their purchase, the consume r is going to go elsewhere, likely to a merchant that does offer financing. For many consumers, credit cards are used for regular everyday purchases like gas, groceries, and utilities, and they may not have room for a major purchase. Installment loans can help them segment the purchase over a set period of time with a set payment and interest rate. 2. Ease the “sticker shock” of a major purchase Customers may feel overwhelmed when they hear how much a major purchase costs. Financing options not only make these purchases attainable, but they also make them less shocking. Breaking a big purchase down into monthly payments helps customers understand how the purchase will fit into their budget, and they know it will be a consistent amount throughout the duration of the loan, with a fixed interest rate. There’s never a pre-payment penalty, so the loan can be paid off early if desired. 3. Build a referral base of happy customers The journey to 1,000 happy customers starts with one. Just one happy, satisfied customer will tell their friends and family about their experience, and provide compelling referrals, and that can lead to more business for you. Offering financing to your customers also helps create lifetime client value. When they have a payment solution that fits their needs and they’re able to make their purchase, it builds loyalty to your business or practice. Not only will that customer return if needed, but they’ll also help spread the word about their experience to help build your customer base. That’s a win- win! 4. Your business or practice receives upfront payment for goods and services Offering consumer financing not only helps you build your customer base while serving more people, but it can also help you keep your business expenses in line. Once a consumer qualifies for and elects to use financing, funds can be dispersed to pay you in advance of the exchange of goods or services. As far as the cost to your bottom line is concerned, your rate is agreed upon upfront, which means you’ll always know the exact expense associated with your earnings. Average merchant fees for financing can be similar to the processing fees incurred when a customer pays with a credit card. United Credit strives to keep the content shared on this blog accurate and up to date. You are urged to consult with business, financial, legal, tax and/or other advisors and/or medical providers with respect to any information presented. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial or medical institution. This content is intended for informational purposes only. Whether you’re just getting started with financing or looking for a new option for your growing customer base, United Credit is here to help. For more information on becoming a merchant with United Credit, visit: https://www.unitedcredit.com/enroll-now/ Follow us on social: Linkedin-in Facebook-f Instagram Twitter

Thinking about cosmetic surgery? 5 questions to ask yourself

Are you thinking about having cosmetic surgery? If so, you should ask yourself five questions to see if you should follow through with it. Every day thousands of people in the United States see their plastic surgeons for cosmetic surgery. These surgeries range from breast augmentation to a tummy tuck. Knowing which doctor to pick and why you want the surgery is important. If you know what to expect going into the surgery, you’ll be happy with what you get out of the surgery. Below are the 5 questions: Why do I want the procedure? – Most people want to get cosmetic surgery done so they can look as good as they feel. Many people already feel good about themselves and just want to shed the few extra pounds they can’t seem to shake in the gym or tighten up their skin because their daily skincare routine doesn’t work anymore. Knowing what you want to fix and communicating that to your surgeon is very important. Why do you want cosmetic surgery? Do I have the time? – Many people work 9-5 jobs and don’t always have the days off needed to recover from a procedure. Even the most simple procedures take at least 4 days to recuperate. Do you have the time? Can you take some vacation days? Do I have the right medical staff? – Choosing the right doctor is very important. You should try and check their board certifications and patient history to see if they are reputable or not. Lastly, you want to feel comfortable on a personal level with your surgeon. After all, they have private information about you that you probably don’t want anyone else to know! Can I afford the procedure? – Cosmetic surgeries can be very expensive. Luckily, United Credit offers Cosmetic Surgery Financing for its patients. If you need a loan or help financing a portion of the procedure, look no further than United Medical Credit! Is my family supportive? – You will need a family member or trusted friend to help you get home and take care of you after the procedure. Surgery can be very emotional and physically taxing. The right support system can help you get better in no time. Answering these 5 questions can help give you a better understanding of your cosmetic surgery experience. United Credit is here to help you every step of the way. Follow us on social: Linkedin-in Facebook-f Instagram Twitter

Why You Should Get Lasik Surgery

If your eyes are not perfect, then you should take the extra step and get LASIK surgery. By investing of your time and money, you’ll be able to save time and money in the future. Between cleaning your contacts, and glasses, going to doctor’s appointments, and always having to order contacts, if you get LASIK once then you cut out all of these extra things moving forward for the rest of your life. On top of that, you rarely have to see your eye doctor for check-up appointments! We typically advise our patients to get LASIK surgery after their eyes have stabilized for a few years. There’s no point in getting surgery if your eyes are still changing and your vision is getting worse every year. There are also a few lifestyles that benefit from LASIK surgery. If you’re a sports player we believe you should get your LASIK procedure done. Wearing contacts or glasses during sporting matches or swim meets can be a large source of discomfort and distraction from your game! Also, if you are a world traveler or travel a lot for work, getting LASIK surgery done can decrease the amount of time it takes to get ready in the morning or the amount of stuff you have to pack for your trip! Over a few years, all of this extra work adds up! If affording the LASIK surgery procedure is an issue you can always apply for our surgery financing loans and financing options. Follow us on social: Linkedin-in Facebook-f Instagram Twitter