Isn't it amazing how some vets just have to make it hard on you? My vet (Alosta Animal Hospital in Glendora, Ca) lets me make payments as I take good care of my boys and they are in there from time to time. Also, Ming has recurring FLUTD, which hasn't reared it's ugly head in months (knock on wood) and that gets expensive to treat! Vets that care let you make payments. After all, you're only trying to take good care of your babies!