Material Disclosure
PayPawCare is a connecting marketplace and advertising service — we are NOT a direct financial provider, funding broker, or agent for any provider or funding broker. We do not make credit decisions, do not originate funding agreements, and do not guarantee that you will receive a funding offer or be approved for financing. Submitting a request through our site does not constitute a funding application with any provider. All credit decisions are made solely by independent third-party providers in our network, and we are not responsible for their decisions.
Representative APR Example
Representative example: If you borrow $2,000 over 12 months at a representative APR of 24% (fixed), your monthly payment would be $189.12 and the total amount repayable would be $2,269.44. APR rates range from 4.99% to 35.99% depending on your credit profile, funding amount, and repayment term. Individual provider rates, fees, and terms may vary.
Repayment Terms
Funding amounts: $500 – $5,000. Repayment terms offered by providers in our network range from a minimum of 61 days to a maximum of 72 months. There are no fees charged by PayPawCare for use of our connecting service. Individual providers may charge origination fees, late fees, or prepayment penalties — please review your funding agreement carefully before signing.
Implications of Non-Payment
Failure to repay your funding agreement on time may result in: (1) additional interest charges and late fees imposed by the provider; (2) negative reporting to one or more of the three major credit bureaus — Experian, Equifax, and TransUnion — which may significantly damage your credit score and remain on your credit report for up to seven years; (3) referral to third-party collection agencies or debt buyers, who may contact you by phone, mail, or other means; and (4) possible civil legal action by the provider to recover outstanding principal, interest, and costs. We strongly encourage you to contact your provider immediately if you anticipate difficulty making a payment, as many providers offer hardship or deferment programs.
Credit Check Notice
Reviewing your options through PayPawCare does not impact your credit score. If you accept a funding offer from an independent provider, that provider may perform a credit inquiry using one or more of the major consumer reporting agencies (Experian, Equifax, and/or TransUnion) or alternative credit reporting bureaus, which may affect your credit score. Credit verification practices vary by provider.
State Availability & Exclusions
This service is not available to residents of all states. Due to strict state finance laws and regulatory requirements, our service is currently unavailable to residents of the following states: Connecticut (CT), New York (NY), Vermont (VT), and West Virginia (WV). Funding availability, maximum funding amounts, and terms may vary by state. This service is void where prohibited by applicable law.
Advertising Disclosure & Compensation
PayPawCare does not guarantee funding approval or that you will receive any particular funding offer. Terms presented on this site are estimates and are subject to change at any time without notice. We may receive compensation from providers for connecting them with potential consumers. This compensation may influence which providers or offers are presented, but does not affect the terms offered to you. Always read and fully understand any funding agreement before accepting. Funding options are not available in all states or to all consumers.
© 2026 PayPawCare, LLC. All rights reserved.
NMLS #000000 · Equal Opportunity Financial Marketplace