I got it to take care of an abscessed tooth, and even with sucky credit they gave me something like a $2,000 line of credit (the tooth issue was only $700 or so). I've read if you take advantage of the low interest or no interest plan you have to make all the payments within a year or you'll get slammed with the interest at the end. Other than that, I've been pretty happy with it. My sister got it for one of her dogs that needed emergency surgery and she didn't have any problems with it. I also applied for it many years ago when one of my sibes bloated. I was approved for $500 instantly over the phone, so they're pretty easy to deal with even if it is last minute.
Avery - Southpawz Elf Queen, CGC- Siberian Psycho Terrier
Brogan - Southpawz Mystery Man, CGC - Ephelis Spaniel
Fenway - Southpawz 4 Yawkey Way -Bull Collie
And the crazy cats