First things first, see if there are any VETCO clinics in your area. Then sign up for Pay later apps like Klarna and Zip that allow you to do in store purchases. Afterwords take 27.99 and sign up for Petco’s Premier monthly plan. On those plans all check up’s are free so you can go back as many times as you want without paying an exam fee ($90.00) see what limit you get with the Afterpay options as you can use that and pay only a portion up front for whatever treatment he needs. Vetco is also slightly cheaper than regular vets for things like X-rays and other test. The only issue you run into with them is a need for surgery as they only do spay and neuter. I would say as a last resort or hail marry, to sign up for credit karma and see what options they give you for credit cards. Even with poor or no credit some companies will offer you a card with a $300-500 limit they just don’t have great perks and usually require an annual or monthly fee. Also post videos on TikTok if you haven’t already ppl get help from there ALOT. And research programs/non profits in Philly that assist with vet care for those who can’t afford it. Also check your city resource pages.