I would say wait to apply for care credit. Take him to the vet. See what they have to say about it. It's just an inital office visit. They will palpate the leg and such and feel the knee. What type of "pain killer" did you give him if aspirin that's a big no. Acl tears can heal but it's just scar tissue and he will still limp. And there's still a 75% that if it is a acl tear they will blow out the other knew within a year. If you take him to the vet and it is Infact acl tear apply for care credit and decide from that approval if you want the surgery down. Idol where you live. And what the vets are like. But plan if you want surgery at 1500-3000 a peice on each knee. I'm 2nd year vet student and a get tech as well. 
if you have any more questions feel free to pm me.
if you have any more questions feel free to pm me.
@Tony275 wrote:
Little update on Duncan, he's bearing weight on his leg, and doesn't seen to be in nearly as much pain. He ate a full meal today as well as his daily dose of treats! Pooped and peed as normal but he does favor that leg just a little! He doesn't look "depressed" today as he did last night. Very lovey again and it warms my heart!
I gave him "Aspirin free" medication last night in a slice of cheese per my cousins advice (who is a vet in Chicago). I live in north central IL, for reference of vet specialists. We're gonna call the vet tomorrow when they open, as he seems to be doing much better today!
Appreciate all the advice and kind words! More love for this site!
Glad to hear your buddy is doing a little better today. Hopefully things will go as good as possible with the vet tomorrow. I'm wishing the best for you and your pup. 
@Tony275 wrote:
If I don't end up ending them now, I'll definitely grab one after a year in the garden! Not a bad card to have just in case!
Me being 23, I don't see a major need for it anytime soon! My wife, if she finds out she can get a boob job with it, then I'm in trouble!
Poor guy 
