Interest Free Payment Plan

Give your pet the treatment they deserve when they need it most.


We understand that taking care of your pet when they are unwell or injured can put a strain on you financially. Not only do our Payment Plans give you the reassurance that your pet will be provided with the best care, it also means you can spread the cost of your pet’s veterinary treatment throughout the year, over 6 or 12 months.

Payment Plans are available to clients whose veterinary bills are in excess of £500, up to a maximum of £25,000. A minimum deposit of 15% will be required. Minimum costs and/or deposit may vary and availability will be subject to status.

Payment Plans are available for pets that require treatment for accidents and one-off illnesses. The Payment Plan cannot be used to pay for ongoing and/or chronic conditions. Please ask your vet to confirm whether your treatment can be covered by the Payment Plan. FAQs can be found at the bottom of this page or for further information regarding the Payment Plan, including terms and condition, Close Brothers Retail Finance can be contacted directly (details below).


We offer the following Payment Plans:

Duration Example treatment value APR Minimum deposit Monthly payment by direct debit Plan
6 month^ £1000 0% £150 £141.66 Pay no interest
12 months** £1000 0% £150 £70.83 Pay no interest

^ first payment will be £141.70
** first payment will be £70.87

Finance example:

 Treatment cost  £1000
 Deposit  £150
 Total amount of credit  £900
 Duration of agreement  12 months
 Interest rate  0% APR
 12 monthly payments of**  £75
 Total amount payable  £1000

** first payment will be £70.87

Ways to apply:

  • With a member of the veterinary team, during your pet’s consultation
  • A member of the veterinary team can send a link via email or SMS so you can complete the application at home prior to returning for your pet’s treatment



Who is eligible for finance?

Finance is available for approved veterinary bills of £500 up to a maximum of £25,000. Please note, this is at the discretion of NW Veterinary Specialists Limited, who may increase the minimum qualifying amount for finance.

You’ll need to be:

  • 18 years or older
  • A UK resident for 3 years or more/permanent UK resident
  • Be able to make regular repayments by Direct Debit
  • In regular employment (minimum of 16 hours per week) including self-employment or in a permanent residence with your spouse/partner who’s in regular employment
  • Have a debit card or credit card in your name and is registered to your home address

Other conditions may apply and Close Brothers cannot guarantee that your application will be accepted.


How long will it take to apply?

You should get an instant answer on whether your application for finance has been successful. In some cases, Close Brothers Retail Finance – our finance provider – will need to look at the application in more detail before making their decision.


What do I need to apply?

All you need to do is fill out the online form at the payment stage and add an electronic signature. It’s important you use your full name and address details and make sure everything is spelt correctly. A member of the veterinary team can go through this with you in the practice.


What happens if my application is turned down?

Applications may not be accepted for a number of reasons, including mistyped information or not meeting the specified requirements. Please note that other conditions may apply and we cannot guarantee that your application will be accepted.

If your application isn’t successful, you can still pay in full with a valid credit or debit card.


Your credit agreement

Please refer to your credit agreement with Close Brothers Retail Finance for payments due or information relating to paying your loan off.


Who are Close Brothers Retail Finance?

Close Brothers Retail Finance are one of the UK’s specialist providers of Retail Point of Sale finance in the UK. If your application is successful, you will enter into a Credit Agreement with Close Brothers Retail Finance. Close Brothers Retail Finance is a trading name of Close Brothers Limited.


Who can I contact if I have any further questions about payment plans once I have a loan?

Contact Close Brothers Retail Finance directly on 0333 321 6080.  Calls cost 5p per minute plus network extras from a BT Landline, calls from mobile phones and other networks may cost more according to your service provider. Please note that calls may be recorded for training and monitoring purposes.