Do you want a vet loan? Or pet loan?
Surgery. Kennels. Insurance. Whatever your furry friend needs, we’ll help you spread and minimise the cost.
- Quick. Apply for $500-$10,000 online, fast.
- Affordable. Personalised rates. Lower costs.
- Flexible. For any pet-related expenses.
How it works
With no early payout fees, our short term loans are perfect if you need a quick cash stopgap. And because our low interest rates are personalised, they’re highly competitive, whatever your credit rating.
Apply in Minutes
Choose your $500-$10,000 loan and apply online.
Get a Decision
We'll contact you, verify your details and give you an answer.
Receive your funds
Sign your contract and receive your funds overnight.
How can we help you?
Below you’ll find answers to the most frequently asked vet loan questions
Our vet loans are personal loans of between $500 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:
- Buy a pet and pay for vaccinations from the vet
- Pay emergency or unexpected vet bills and expenses
- Pay for pet insurance
- Pay for kennel, day care and pet travel/relocation
- Purchase cages and big-ticket pet products
- Pay for a funeral or cremation for your pet
Find out more about how our vet loans work or apply online for a vet loan today. It only takes a few minutes.
We know that you may well need cash in a hurry to look after your pet, especially if you need to pay for emergency pet surgery. That’s why we’ve used all our finance and tech smarts to make applying for a vet or pet loan as quick and easy as possible.
- Apply online. You can apply for a vet or pet loan in minutes. And if you use our free and secure bank statement service to fast-track your application, our smart system will give you a decision almost immediately.
- Accept via SMS. If you receive conditional approval, you can accept our preliminary offer via SMS. Then, our friendly team will call you to verify your personal information and the details of your vet loan. There’s no printing, signing or scanning, so there’s no delay.
- Receive your funds. If your application for a vet loan is formally accepted, we’ll transfer your funds straight away, usually overnight, so you’ll have the money you need to look after your furry, feathered or scaly friend the next day.
Apply online today and see how easy it is. If you’re worried your bad credit score may be a problem, call us on 1300 FAIR GO or contact us via live chat. It may be that we’re able to provide a bad credit loan that gives you the cash you need and helps you fix your bad credit rating.
You’ll need to be at least 18 and a permanent Australian resident to apply for a vet loan. You must also be in regular paid employment, earning a minimum of $500 per week. If that’s you, you can apply online for a vet loan of $500-$10,000 to cover any pet-related expenses, from vet care and pet surgery, to pet insurance and kennel costs.
Can you take out a vet loan if you have bad credit? It depends. There may be some limits on any vet loan we provide. For instance, you may not be able to take out a $10,000 vet loan.
If you’re worried that you have a bad credit rating, watch our video about how to find out your credit score. Alternatively, contact our friendly team on 1300 FAIR GO or via live chat to find out more about our bad credit loans – if we can help you get the cash you and your pet need, we will.
You can apply for $500-$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 FAIR GO 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.
Caring for your furry, feathered or scaly family members can be expensive. So, whether you need a large vet loan to cover emergency pet surgery, or a small pet loan to pay upfront for pet insurance, we’ve got you covered, with loans ranging from $500 to $10,000.
At Fair Go, we personalise our rates and terms to suit you and minimise your borrowing costs, so we’ll tailor our rates and our flexible 3 to 7-year repayment terms to give you the best deal we can and ensure you’re not over-extending yourself financially.
Moreover, we’ll make sure you understand your repayments and our fees upfront. It’s all part of our responsible lending commitment.
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 FAIR GO or via live chat so we can advise you on the best way forward.
Personalised vet and pet loans for any pet-related expense.
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.
Small Amount Loans
Loan Amounts
$500 – $2,000
Average Term
5 Months
Typical Establishment Fee
10% – 20%
Monthly Fee
2% – 4% of Principal
Interest Rate Per Annum
0%
Comparison Rate
N/A
$500 repayment example
Average Term
3 – 6 months
Repayment Per Week*
$24 up to $52
Establishment Fee
$50 – $100
Monthly Fee
$10 – $20
Interest Rate Per Annum
0%
Comparison Rate
N/A
Medium Amount Loans
Loan Amounts
$2,250 – $5,000
Average Term
8 Months
Typical Establishment Fee
$360 – $695
Monthly Fee
$5
Interest Rate Per Annum
17.9% – 29.9%
Comparison Rate
36.64% – 53.12%
$2250 repayment example
Average Term
3 – 18 months
Repayment Per Week*
$39 up to $220
Establishment Fee
$360 – $460
Monthly Fee
$5
Interest Rate Per Annum
17.9% – 29.9%
Comparison Rate
36.64% – 53.12%
*Repayments per week depend on affordability.
Minimum loan term 3 months. Maximum loan term 12 months. For our loans of $500 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above this amount maximum APR is 48%.
Apply for your vet or pet loan today.
Our flexible vet loans range from $500 to $10,000 and you can use your cash to cover any pet-related expense – it doesn’t have to be for vet care or surgery.
Apply Now!
Are you eligible to apply?
- I am 18 years or older
- I have not entered into bankruptcy or part 9 agreement within the last 12 months
- I am willing to provide my Bank Statements online
Please note: Bank statements can only be submitted via our secure online service.
WARNING - DO YOU REALLY NEED A LOAN TODAY?*
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
For more information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
If you are on government benefits, ask if you can receive an advance from Centrelink.
https://www.humanservices.gov.au/individuals/online-help/centrelink/apply-advance-payment-your-centrelink-online-account
The Australian Government’s MoneySmart Website shows you how small amount loans work and suggests other options that may help you.
* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.