Pay smarter
with Opy

For the things you need, Opy is here to help.

Big bill? Unexpected expense?

Our flexible payment plans are currently available from select veterinary providers and will soon be expanded to new categories.

  • Flexible plan lengths to make larger purchases easier to pay – you choose when, where and the amount to pay – from a minimum payment to full payoff based on your needs
  • Helping you pay for health expenses (including veterinary), and more
  • Easy management within the Opy app

No gimmicks.

At Opy, we don’t do hidden fees or unexpected surprises. Our fees are clear and upfront1. From the moment you first use Opy, you know what to expect. Here’s how it works:

Sign up.

Download our app to create an account and apply for a quick credit decision

Select a plan.

Choose a plan length and payment date that works for you


Make your first payment and pay a plan establishment fee today and spread the remaining purchase balance over time

Benefits that compliment your lifestyle.

Opy is tried and trusted around the globe.

Opy Q&A

What do I need to use Opy?
To sign up and get started you’ll need to be at least 18 years old, live within eligible U.S. states and have the following:
  • U.S. mobile number
  • Email address
  • Social security number or ITIN
  • Credit or debit card
Signing up is easy. Just download the Opy app.
If you miss a payment, you may be charged a late fee, but no more than one late fee will be charged per late payment.
The Opy app makes it easy…from setting up your payment plan to managing monthly payments. You can also talk to an agent in our Customer Success Center.
Yes, see our privacy policy.

Monthly payments that work with you.

With Opy, you’re in control. You choose who to pay. How to pay. Minimum amounts or more. To suit your needs, your budget, your life.

1Loan options vary depending on eligibility and purchase amount. Eligibility based on your credit history and subject to a credit check, which will not impact your credit score. Due at checkout is an initial payment of 5% of your purchase price and a non-refundable plan establishment fee, which is equal to 0.5% of the purchase price. Monthly maintenance fee applies. Example of repayment based on a $2,000 purchase price: Loan plan amount of $1,890 for a 24-month term with a $87.20 monthly payment and an annual percentage rate (APR) of 9.98%. Fees are used to calculate the APR and in no event will the APR exceed 9.99%. Loan plans (fixed-rate, installment loans) through Opy USA Inc are made by Cross River Bank, Member FDIC. © Opy USA Inc 2021.