Pet Loans in Australia
Personal Loan to help you Cover Vet Bills
Surgery. Kennels. Insurance. Whatever your furry friend needs, we’ll help you spread and minimise the cost.
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Quick
Apply for $300-$10,000 online in 6 minutes.
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Affordable
Personalised rates. Lower costs.
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Flexible
For any pet-related expenses.
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
Loan Calculator
*Includes an interest rate of XX.XX% (Comparison Rate of XX.XX%). All prices are indicative and applications are subject to assessment. Fees and charges are payable. The Comparison Rate is based on an unsecured personal loan of $2,500 for a term of 2 years. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rates (APR), fees & features
| SMALL Amount Loans | MEDIUM Amount Loans | LARGE Amount Loans | |
|---|---|---|---|
| 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 | $18 – $400 | $375 – $771 | $536 – $795 |
| Monthly Fee | $6 – $80 | $8 – $9 | $10 – $11 |
| Interest Rate Per Annum (APR) * | N/A | 9.90% – 29.90% | 15.92% – 25.90% |
| Comparison Rate ** | N/A | 30.63% – 64.52% | 21.65% – 33.80% |
*For our loans of $300 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above $2,000 maximum APR is 48%.
**All prices are indicative for an unsecured personal loan and fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
**All prices are indicative for an unsecured personal loan and fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
| EXAMPLES | $950 | $3,100 |
|---|---|---|
| Average Term | 5 months | 10 months |
| Repayment Per Week | $59 | $85 |
| Establishment Fee | $168 | $475 |
| Monthly Fee | $30 | $9 |
| Interest Rate Per Annum (APR) | N/A | 22.34% |
| Comparison Rate | N/A | 48.03% 2 |
1. Comparison Rate is based on an unsecured personal loan of $1,000 over a term of 6 months. Fees and charges are payable.
2. Comparison Rate is based on an unsecured personal loan of $2,500 over a term of 24 months. Fees and charges are payable.
WARNING: This comparison rate is true only for the example[s] given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
2. Comparison Rate is based on an unsecured personal loan of $2,500 over a term of 24 months. Fees and charges are payable.
WARNING: This comparison rate is true only for the example[s] given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
How to Apply
Apply Online
All it takes is 6 minutes with our smart online application form.
Accept Offer
If approved, accept your offer by electronically signing with a secure SMS code sent to your mobile.
Receive Finance
Real-Time Funding will make sure your funds are transferred as cleared funds so you can start using it sooner!
Personalised Support
If you need a little help with anything, simply talk to our support team.
Why choose Fair Go Finance?
We’ve been giving our customers a Fair Go since 2008.
We listen, adapt, innovate and grow with our customers so we can provide ongoing value to you.
Genuine Customer Service
Real and caring consultants to help you go forward. Funded in minutes!
Apply, approved and funded in as little as 6 minutes
Risk Based Pricing
Your credit profile is rewarded with tailored pricing. Get more & pay less.
Save up to $115 on a small loan
Save up to $357 on a medium loan
Mates Rates Loyalty Program
Enjoy rate and discount rewards for your loyalty. Rewarded on your return!
Returning customer gets up to $453 more on the second loan
Boost Your Credit Score
Improve your financial future by repaying your loan with us. Good credit, not bad!
65% of our customers enjoy a 42 point increase to their credit score.
Genuine Customer Service
Real and caring consultants to help you go forward. Funded in minutes!
Apply, approved and funded in as little as 6 minutes
Risk Based Pricing
Your credit profile is rewarded with tailored pricing. Get more & pay less.
Save up to $115 on a small loan
Save up to $357 on a medium loan
Mates Rates Loyalty Program
Enjoy rate and discount rewards for your loyalty. Rewarded on your return!
Returning customer gets up to $453 more on the second loan
Boost Your Credit Score
Improve your financial future by repaying your loan with us. Good credit, not bad!
65% of our customers enjoy a 42 point increase to their credit score.
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 $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:
- 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.
- Apply online in less than 6 minutes. Our clever online application form is quick and easy to complete – apply from anywhere in Australia, anytime day or night.
- A little human touch may come into play. If your application isn’t given an immediate outcome, a friendly credit consultant will be in touch to confirm what they need clarified, or if there’s a different amount or product they can offer you.
- Get approved: If you’re offered a loan and you’d like to proceed, simply accept by electronically signing in the contract using an SMS code sent to your mobile phone.
- Receive your funds within minutes: We use Real-Time Funding to instantly transfer the funds to your account.
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.
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.
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Are you eligible to apply?
- I am 18 years or older
- I have not entered into bankruptcy or part 9 agreement within the last 6 months
- I am willing to provide my Bank Statements online
- My income is not solely from Centrelink
Please note: Bank statements can only be submitted via our secure online service.