If you are happy with the level of care given the money should be a secondary consideration.
We are extremely happy with our vet and while we pay more for some things we also get great service ( even in the middle of the night. )Payment options are available for big costs, and when we had our 4 cats desexed we got group discounts for doing it all together. $300 for 3 toms and 1 female including microchipping.
It's been 16/17 years since we had the dogs desexed I don't remember the costs for that now. But when our Chloe was having seizures at 2 in the morning the vet met us straight away at the surgery, we didn't make it. The vet didn't charge us. Over the last few months with Amos we spent a lot of time and money at the vets, but for that last visit again there was no charge.