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Financial Assistance Resources

The Pet Fund wishes to provide our applicants for funding with every possible resource with which to develop financial independence. The Pet Fund is not responsible for the outcome of any involvement with any financial service associated with our website, but we do welcome you to make responsible decisions about which services might be appropriate for your individual financial situation. While the staff of The Pet Fund is unable to advise you regarding financial matters, we do encourage you to explore positive solutions to avoid future fiscal crises. The following are services which may be helpful to you to develop your financial resources.

The following resources may be helpful solutions for financial difficulties:

  1. Ask your veterinarian about setting up a payment plan for the needed medical treatment.

  2. Register with a local temporary agency to obtain employment on a “temp” basis, or to pick up a part-time or second job to generate additional income.

  3. Exchange services with family, friends or neighbors—for example, doing home repair, babysitting, or cleaning in exchange for payment for needed veterinary care.

  4. Hold a garage sale to get rid of unused or unwanted appliances, furniture, equipment, etc.

  5. Ask your credit card companies for an increase in your available credit.

  6. Consider meeting with a credit counseling service if your credit rating is poor, or you have too much credit debt, to reduce your debt and arrange an affordable payment plan.

  7. Consider consolidating your credit debt into a single loan, or refinancing your home to lower your total debt/monthly payment amount.

  8. Apply to your bank or credit union for a short-term loan.

  9. Inquire about your retirement account or other tax-sheltered account, to find out about penalties for early withdrawal of funds or increase in monthly dividends.

  10. Temporarily reduce the amount of your paycheck going to employer contribution/retirement accounts if you are currently employed.

  11. Evaluating your monthly budget can be useful - cutting “extras” like cable television fees, eating out, etc. can add up quickly. Make a list of essential needs; then temporarily cancel all extra expenditures.

  12. Sell unwanted items of value on an internet auction site.

  13. If you are employed, consider using a cash-advance service. Please be aware that some of these agencies charge outrageous interest rates, so be cautious using these types of services.

  14. If you are unemployed, contact your local Employment Development Department to see if you qualify for benefits, including unemployment insurance, disability benefits, and employment assistance. Many EDD offices also offer paid training in a variety of fields which may help you to find both training and employment in a new field.

  15. Check online employment sites for new job openings and opportunities. Updating your resume and gathering letters of recommendation from previous employers and associates will help you in your job search.

  16. Call businesses in your area to inquire about any positions which may be open. Networking with your friends and family may also help you to find out about employment opportunities.

  17. If you have to move or find an apartment with your dog, advice from Barbara Corcoran on getting approved:

Finally, the following are resources which may be helpful both to deal with financial crises and to plan for the future. Consider meeting with a financial planning firm, credit counseling agency, insurance broker, or retirement planning service to design realistic budgets and goals for the future which will enable you to become financially independent.

  1. Set up a savings account to plan for all future emergencies, including veterinary care. Ideally you should be able to save at least 10% of your monthly budget for this account.

  2. Consider veterinary insurance – there are several pet insurance programs available nationally. Many of these plans are very affordable and will enable you to avoid future financial crises involving veterinary care. However, coverage is limited and these programs will not substitute for having a savings account in place.

  3. Budget a monthly allowance for preventative veterinary care. Regular "well-pet" checkups and good preventative care practices will help avoid medical crises for your pet in future.

  The following links may be useful resources for emergency financial assistance and access to health care services.
  1. Women, Infants & Children: WIC provides Federal grants to States for supplemental foods, health care referrals, and nutrition education for low-income pregnant, breastfeeding, and non-breastfeeding postpartum women, and to infants and children up to age five who are found to be at nutritional risk.

  2. Food Stamps: Food Stamps help low-income people buy food. Although it is a federal government program, it is run by state or local agencies. For information about applying, click here:

  3. Avoiding Foreclosure: Federal programs which help with assistance in avoiding foreclosure:

  4. National School Lunch Program:

  5. Temporary Assistance For Needy Families (TANF):

  6. Medicare/Medicaid Eligibility Information:; and

  7. The Salvation Army offers programs to help with utilities and housing nationwide:

  8. Social Security and Supplemental Security Income disability programs are two Federal programs that provide assistance to people with disabilities:

  • CareCap - is an all online payment platform that makes it easy for veterinarians to offer flexible and affordable in-house payment plans to pet owners. With CareCap, you are able to customize payment options that make your services more accessible and budget-friendly for pet owners who need a more manageable way to pay for medical care. For every payment plan managed on CareCap, in conjunction with The Pet Fund, CareCap will make a charitable donation to The Pet Fund to be used to provide future care for pets in need.

    For information about CareCap click here:

  • LendUp - LendUp Instant Loans is a San Francisco-based lender dedicated to helping Californians meet their short and long term financial needs. At LendUp we understand that a pet’s immediate medical needs come first, which is why we offer instant decisioning on loans of up to $250 for 30 days, and offer proven borrowers up to $1,000. In the long term, LendUp helps its customers build credit so that they can better weather future financial emergencies.

    Applying for a LendUp Instant Loan is a simple, safe, and fast process. You find out instantly if you are approved for a loan, and we have a California-based customer service team standing by should you have questions along the way.

    LendUp has been featured in publications such as CNN, TIME, NPR, and is a lender to thousands of Californians just like you.

    Find out more or apply now at:LendUp Instant Loans

  • Navigating Medicare and Medicaid, 2005  - A Resource Guide for People with Disabilities, Their Families, and Their Advocates, February 2005. An invaluable resource guide for persons with disabilities covering all aspects of Medicare and Medicaid. Reprinted with permission of the Henry J. Kaiser Family Foundation.


  • Keeping Medicare and Medicaid When You Work, 2005  - A Resource Guide for People with Disabilities, Their Families, and Their Advocates, February 2005. A companion resource guide to Navigating Medicare and Medicaid 2005. A critical tool for persons or families who need information about guidelines for Medicare and Medicaid while maintaining employment. Reprinted with permission of the Henry J. Kaiser Family Foundation.

  • California Department of Social Services Assistance Dog Special Allowance (ADSA) Program. The Assistance Dog Special Allowance (ADSA) Program provides a monthly payment of $50 to eligible persons who use a guide, signal, or service dog to help them with needs related to their physical disabilities. The allowance is to help pay the costs of food, grooming, and health care for the dogs. This program, available to residents of California, will provide these funds monthly toward the care of registered service dogs.    Phone: (916) 657-2628

  • The Assistance Dog United Campaign. Operated in association with The Assistance Dog Institute, this nonprofit helps people with disabilities find funding to purchase service dogs.


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