I'm not sure but I don't think so. I paid up front when I brought my rotty in to get neutered. Now this was like over 10 years ago but I when my now 6year old rotty got fixed at 5 months old I paid then also. It might have changed but some vets you can applyfor a credit card just for their place and then if you qualify or have credit then you can make payments on the card.
I believe you can
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