Try calling your local animal shelter to find low-cost spay and neuter programs in your area. The American Society for the Prevention of Cruelty to Animals and Petsmart Charities created a database of low-cost spay and neuter providers, which you can search to find a clinic near you.
Although the ASPCA's search tool is useful, it may not list all local providers and programs. There are some state and national charities that may be able to provide assistance. These may focus on specific breeds of animal or people in certain circumstances, such as homeless people or veterans.
If you cannot find local low-cost spay and neuter programs, try talking to your regular veterinarian. Some veterinarians offer payment plans or other options to make the procedure more affordable. Opening a line of credit is another option. Care Credit is a card that the account holder can only use for veterinary bills and other medical expenses.
Spend some time researching veterinarians and getting quotes as well. Costs for spay and neuter can vary significantly even within the same city, so you may be able to find a more affordable provider even if it is not a specific low-cost clinic. Some veterinarians also offer promotions for new clients, such as a free preliminary office visit, which help you save money.