Our vet loans are here for our customers who love their furry, feathered or scaly friends and would do anything for them. And sometimes, that’s expensive, whether you need to pay for vet care, pet surgery, kennels, day care or pet insurance. Or even buy a new pet.
As one of Australia’s largest non-bank personal loan lenders, we’re here to help you and your family – including your non-human family members – at every stage of life. That’s why we’ve used all our finance and tech know-how to make applying for a vet loan as easy, secure and quick as possible. That’s a reassuring thought, especially if you need cash fast for emergency pet surgery.
We’ll personalise the rates and terms of your vet loan to work for you and your budget, maximising your borrowing power while minimising your borrowing costs. And when you come back for your next loan – as so many of our customers do – we can reward you with even more competitive rates and discounts.
|Loan Amounts||$300 – $2,000||$2,050 – $5,000||$5,050 – $10,000|
|Average Term||1 – 12 months||6 – 24 months||9 – 36 months|
|Typical Establishment Fee||$0 – $400||$394 – $771||$536 – $662|
|Monthly Fee||$0 – $80||$9||$10|
|Interest Rate Per Annum (APR) *||N/A||17.20% – 29.90%||15.92% – 19.90%|
|Comparison Rate **||40.08% – 73.06%||39.61% – 64.52%||21.65% – 26.55%|
|Average Term||5 months||10 months|
|Repayment Per Week||$59||$85|
|Interest Rate Per Annum (APR)||N/A||22.34%|
|Comparison Rate||73.06% 1||48.03% 2|
We listen, adapt, innovate and grow with our customers so we can provide ongoing value to you.
Apply, approved and funded in as little as 6 minutes
Save up to $115 on small loan
Save up to $357 on medium loan
Returning customer gets up to $453 more on the second loan
65% of our customers enjoy a 42 point increase to their credit score.
Our vet loans are personal loans of between $300 and $10,000 for pet owners.
While they’re called vet loans, they aren’t simply designed to help pet owners cover or spread the cost of treatment or surgery for their furry, feathered or scaly family members. You can use a vet loan for any vet or pet-related costs, including buying a new pet.
You can use a vet loan or pet loan to:
Start your online application and see for yourself. And remember, if you run into any problems with our online application or have any questions about the approval process for our personal loans, we’re here to help. Call our team on 1300 324 746 or contact us online via live chat.
How much you are eligible to apply for will depend on your current financial circumstances and requirements. As a Responsible Lender we want to make sure your loan is affordable for you, so we will always need to complete your assessment first before we can provide you with the loan amount you’re eligible for.
You can apply for $300 – $10,000 with a vet loan, although the actual amount you’re able to borrow depends on a number of factors. For instance, if you have a bad credit score, we may recommend a bad credit loan.
As a responsible lender, we take great care in ensuring you’re able to afford your loan and manage your repayments, without putting yourself or your budget under unnecessary stress.
For more information, contact our friendly team on 1300 324 746 or via live chat. Alternatively, apply online for a vet loan – it only takes a few minutes and you can use your vet loan to cover any pet expenses, from pet surgery and vet care, to pet insurance and kennel costs.
The interest rates for our loans are calculated using risk-based pricing, which simply means the better your credit rating, the better the interest rate you can be eligible for. We won’t be able to confirm what interest rate you may be eligible for until your assessment is complete, however you can see the range of our interest rates for our personal loans here.
As one of Australia’s largest non-bank personal loan providers and a responsible lender, we believe everyone deserves a fair go. And that means doing everything we can to provide an affordable loan that gives you the cash you need and, if you have a bad credit rating, the opportunity to get your bad credit history back on track.
That’s why we provide personalised rates and advice if you have a bad credit score, with bad credit loans that we tailor to help you secure the cash you need.
If you’re worried you have a bad credit rating, read our blog about how to find out your credit score. Or contact our friendly team on 1300 324 746 or via live chat so we can advise you on the best way forward.
Absolutely, use your vet loan to cover any pet related expense!
Our loans are based on your individual and current financial circumstances. Until we receive your application and your bank statement information, it is not possible for us to guarantee you will be approved. You may wish to read our blog which provides some helpful tips on improving your chance to get a loan.
Our loan repayments vary depending on the loan amount, the loan term and the interest rate. You can use our loan calculator as a guide, however because we tailor our rates to your unique credit profile, we will not be able to confirm any repayments until your assessment is complete.
The usual waiting time to receive your loan application outcome is between 24-48 working hours.