I agree with the deferred interest mess that can happen..

However, coming from someone who works at an emergency vet clinic, I can't even count how many times people have come in with a life or death type situation and it has been available for them to save their pet's life....

I'm not saying this is the best option for routine vet care, but by all means, if it were that option to save your pet (with a little bit of interest added) or putting my pet to sleep..... There would be no question...

Thank you for making a post about this, it opens up doors for people in a bind...