Welcoming a pet into your home is a life-changing decision. Companion animals bring happiness and unconditional love, but they also come with responsibilities that extend beyond daily walks and cuddle time. One of the biggest commitments is financial. From the day you bring your pet home to the many years of care that follow, costs can pile up in ways you might not anticipate.
Preparing for the Cost of Pet Ownership with Maya
Being a fur parent doesn’t mean you need to feel financially unprepared. With proper planning and backup financial tools like Maya Easy Credit, you can keep your budget steady even when expenses catch you off guard. This virtual credit line is from Maya, the #1 digital bank in the Philippines, and it can provide up to PHP 30,000 in extra funds, with service fees as low as 3.99% and repayment terms of up to 30 days. The funds from Maya Easy Credit can be used to buy items on the Maya Shop, pay for online purchases, and complete in-store QR Ph transactions. You can also transfer the money to your Maya Wallet.
On top of its flexibility, this virtual credit line is also highly accessible. If you have an upgraded Maya account, you can borrow money quickly (subject to credit evaluation) without the laborious documentation process typical of loan applications with traditional banks. These qualities make Maya Easy Credit a convenient safety net when pet care costs threaten to overwhelm your monthly budget. What big and small pet-related expenses can Maya Easy Credit help augment? Let’s take a look.
1. Adoption Fees
A pet’s story typically begins with an upfront cost. Whether you’re paying shelter fees or adoption charges, this first step often requires a sizable outlay. It’s a one-time payment, but it can take a noticeable bite out of your budget if you’re not prepared.
2. Initial Veterinary Care
The early days of pet ownership also come with medical needs. You must set aside funds to cover vaccinations, deworming, spaying or neutering, and microchipping, all of which are essential to your pet’s safety. These services set the foundation for your pet’s long-term health and can help you avoid larger bills in the future.
3. Major Medical Emergencies
No matter how careful you are, pets can get sick or injured unexpectedly. Emergency surgeries or treatments are often expensive and need to be paid up front. In situations like these, Maya Easy Credit can bridge the gap by giving you immediate access to funds without derailing your savings. Having this safety net means you can focus on your pet’s recovery instead of worrying about the bill.
4. Housing and Equipment
Kennels, cages, aquariums, or outdoor enclosures are essential for pet safety and comfort, but setting up these environments can also cost thousands of pesos. Planning ahead for these big-ticket items helps, but if you need to buy sooner than expected, a virtual credit line can soften the financial blow.
5. Home Adjustments for Pets
Living with pets sometimes means modifying your space. Dog-proofing a yard, adding gates, or installing screens and catios for curious cats are expenses that experienced pet owners are quite familiar with. These upgrades are important for safety, and with credit support, you don’t have to delay them until your budget frees up.
6. Food and Treats
Daily meals don’t seem expensive at first glance, but over weeks and months, they can make up a significant portion of pet care costs. This is especially true if your pet has health conditions that require a special diet. If you ever find yourself stretched thin before payday, Maya Easy Credit can help you keep your pet’s bowl full without cutting into other essentials.
7. Preventive Healthcare
Routine check-ups, vaccinations, dental cleanings, and flea or tick prevention are part of responsible ownership. These aren’t large, one-off expenses but recurring ones that can sneak up when scheduled all at once. A flexible credit line can help you stay on top of them.
8. Grooming Needs
Especially for some pet breeds, regular grooming is non-negotiable. They may need haircuts and hygiene treatments to stay healthy and comfortable. These services, however, can strain your budget. A short-term credit option gives you breathing space to manage these costs smoothly.
9. Toys, Accessories, and Litter
From collars and scratching posts to beds and litter, smaller purchases are constant when you’re a pet owner. While individually affordable, these accessories and supplies can add up quickly, particularly when your pet wears out or outgrows their items. Having extra funds available ensures you won’t have to compromise on your pet’s comfort.
10. Pet Sitting or Boarding
Life doesn’t pause when you have pets. Whether you travel for work or leisure, you may need boarding or pet-sitting services. These costs can be unpredictable, but they are necessary to keep your pet safe and cared for in your absence. Credit flexibility ensures you’re never caught off guard when these needs arise.
Why Maya Easy Credit Works for Fur Parents and Beginners to Credit
Many pet owners turn to credit cards for emergencies. This is a practical option if you have access to the best credit card in the Philippines for starters. If you’ve recently been issued a no-annual-fee credit card Philippines’ consumers trust, then all the better, as this lets you cover urgent pet expenses without worrying about extra fees eating into your budget.
If you’re still at the stage of wondering how to avail a credit card, don’t worry. You can access other credit products, like Maya Easy Credit, to help you cover unexpected pet expenses. By using this virtual credit line responsibly and paying on time, you’ll build your credit profile while enjoying the reassurance that you can care for your pet no matter what expenses arise. With this safety net, you’ll always be ready to provide the care your pet deserves without losing your financial balance along the way.
