How Wanloo works

Wanloo, step by step

How we walk this journey with you to care for your pet, from the first click to their next vet visit.

01

You apply for your limit

Sign up in 2 minutes from the web or at the partner clinic. We do a soft check (no impact on your credit score) and assign your pre-approved limit on the spot.

  • Takes 2 minutes from a phone or laptop
  • Soft credit check — no hard pull
  • Documents accepted: government ID + proof of income
02

You receive your Wanloo Card

Once approved, your card is ready to use immediately. Virtual at launch, with a physical card following soon — both work at every clinic in our partner network.

  • Virtual card active the same day
  • Physical card mailed at no cost
  • Closed network: only at partner clinics
03

You pay at the clinic

Hand the clinic your card (or your phone with the virtual card). The terminal handles the rest. No upfront cash, no awkward conversations — just care.

  • Tap or chip at the clinic terminal
  • See your remaining limit instantly
  • Receipt by email + in-app history
04

Your limit refills with every payment

Each monthly payment frees up the same amount on your available limit. So your pet's care is always ready for the next checkup, vaccine, or surprise.

  • Pay monthly, terms from 3 to 24 months
  • Pay early — limit refills faster
  • Transparent: no late surprises
A real example

How the rotating limit works

Day 1

Bella's spay: $1,200
Financed over 12 months

$1,200 used
Month 6

Half paid back. Half of the limit refilled and ready for the next visit.

$600 refilled
Month 12

Spay paid in full. Full limit available again for vaccines, checkups, surprises.

$2,400 ready

Ready to walk this journey together?

Get your Wanloo Card