Vet Loans For Pets
Are you looking for a vet bill loan? Secure one in 3 simple steps!
- Loans for vet bills up to $5,000
- Fast Online Application & approval
- Flexible repayment options
- If approved – receive funds the same day!
Vet bills can add up quickly, if you factor in the price of an initial consultant, medicine and possible surgery and follow up consultations, you can easily be looking at a bill amounting to thousands of dollars.
Pet emergencies don’t wait for payday. That’s why City Finance offers vet loans for pets designed to bridge the gap between your vet’s invoice and your next pay cycle. Our pet loans in Australia deliver fast access to up to $5,000 so you can focus on your companion’s recovery, not your wallet. Unlike rigid lenders, our vet bill loans process is built around you. No lengthy credit checks, no hidden fees, and repayments structured to suit your budget.
Of course, if your beloved pet is sick, money is probably a lower priority than helping your furry friend. Regardless, the pet bills will still need to be paid, and vets usually require payment prior to treatment, before you can claim pet insurance. If you’re in a situation where you can’t afford to cover the costs of the treatment but need to get your animal seen by a vet, you can take out a small cash loan with us. We offer loans across Australia – including Brisbane, Sydney, Melbourne, Perth and Adelaide.
If your pet is sick and you need to borrow money to pay their veterinary bills, but you have bad credit history or a bad credit score, don’t worry. We are an inclusive lender who lends to borrowers who may not fit the lending criteria elsewhere.
At City Finance we have streamlined our personal loans application and approval process so that our customer’s applications are approved quickly and the money is received in their bank account fast. In fact, the whole process is as easy as 1 (online application), 2 (confirmation), 3 (money funded).
Whether your dog needs emergency surgery or your cat requires a specialist consultation, our loans for vet bills ensures treatment isn’t delayed. Applying for a vet bill loan takes minutes: fill out our online form, chat with one of our friendly team members, then sign and receive funds; often on the same day. We’ve streamlined our underwriting so that your pet’s health is the only priority.
Here’s a quick rundown on how you can get fully funded in a short amount of time with minimal hassle.
ONLINE APPLICATION
To apply for a loan with City Finance, simply fill in our online application form here. It’s quick and easy, you’ll just need to select how much you’d like to borrow, your preferred repayment term, provide some personal details, and verify your identity.
CONFIRMATION
Most customers receive a response within a couple of business hours of applying. In some cases, our team may get in touch to request additional information to finalise your loan.
FUNDING
Once your loan is approved and the contract is signed, most customers receive their funds within minutes, so you can get on with what matters sooner. Repayments will be made weekly, fortnightly or monthly, depending on your selected plan.
What are vet bill loans?
A vet bill loan is an unsecured personal loan used to pay for veterinary bills, like medical treatment and pet-related costs. Even if your pet is generally healthy, pet related expenses are often incurred for things like an annual check up, teeth cleaning, vaccinations and microchipping. Of course, if a situation arises where your pet has a serious condition or illness, they’ll need to visit the vet quickly.
An average vet visit in Australia costs around $100, and if your pet needs surgery, treatment or medicines prescribed, these costs will be substantially higher. A vet for a pet is as necessary as a doctor for a human. So, if you need your pet attended to urgently, and you don’t have the funds to cover the costs, you can take out a personal loan with us to cover pet health care financing.
Am I eligible for a vet bill loan?
If you have a pet that’s in need of medical treatment or a check-up and are aged 21 or over, then you’re probably eligible for a vet loan with us, otherwise known as an unsecured personal loan. Aside from this, we’ll also need applicants to have some form of consistent income (this is valid if you receive Centrelink benefits or if it’s a salary from work), ID and some supporting bank statements. That’s right, unlike most lenders we consider funding loans for people on Centrelink.
What supporting documents and information do we need to process your vet bill application?
At City Finance the process of applying for a vet bill loan is simple. We don’t need a bunch of different documents, all we require is the following:
- A copy of your ID
- A short application form with details such as your address and phone number
- 90-day history of bank transactions
- Proof of income (Eg a payslip or Centrelink income statement)
How City Finance Can Help Borrowers Looking for Vet Bill Loans
Things Move Quickly
When taking out a loan with City Finance, you won’t need to worry about a long waiting period – or a long application process. Our application process is very straightforward; it’s an online form that takes a few minutes and needs a minimal amount of documentation enclosed. After your application is submitted our team will work very quickly to process and approve it. Many applicants receive money in the bank on the same day that they apply for a loan with us. Learn more about our same day loans.
Trusted Lender
We’ve been in the business of lending to Aussies for over two decades. We are an industry leader and have helped thousands of Australian’s borrow when others wouldn’t. After you submit your online application you’ll talk to a real person who can listen to your personal circumstances and financial situation, and figure out the best loan terms for you. Learn more about our bad credit loans.
Inclusive Lending
As mentioned above, our approval process includes a chat with a real person. This team member will assess your specific situation, so that they can decide on the best loan for you. Even if you have a bad credit score, no credit history or are a pensioner, we don’t discriminate and will strive to sort out a loan that’s suitable for you. We also consider applications and fund loans to people that are unemployed.
Hassle Free Repayments
If your pet is sick, your priority should be helping them get better – not worrying about managing bills. We understand this, which is why we implemented a hassle-free repayment system. Our system will automatically deduct your weekly, fortnightly or monthly repayments from your nominated bank account on its due date. Learn more about how our payday loans work.
We’re Flexible in a Crisis
If you find yourself in a situation where you can’t meet your loan repayment amount on the due date – for example, if your pet’s condition escalates and there’s additional urgent pet expenses, then we can accommodate this. We understand that emergency situations arise, so our team is on hand to chat to you if this situation happens, and then can help you work out a contingency plan that you can comfortably meet.
No Hidden Fees
We don’t want our customers to be hit with any unexpected fees and charges when taking out a loan with us. So we explain our monthly fees, comparison rate and fees and charges clearly for our applicants. We also have flexible loan amounts to lend and repayment terms.
What Can I Use a Vet Bill Loan For?
Routine Veterinary Checks
Even if your pet seems healthy, they should still be taken for regular vet check ups. It’s normal to take your pet for an annual check-up, but there may be other situations where your otherwise healthy animal needs a vet visit, like teeth cleaning, vaccinations or microchipping. If your little furry friend is due for a check up but you can’t afford the cost of the pet bills, secure a personal loan with us.
Unexpected Medical Expenses
The reality of having a pet is that it’s extremely likely that unexpected vet bills will pop up as a result of an accident, fight or medical condition. The vet bills can be very high, and probably won’t be budgeted for because they’re unanticipated. In many circumstances, they will often be urgent, too. Rather than stressing about how you’re going to cover the vet costs, take out a personal loan with us and concentrate on getting your fluffy friend better.
Pet Surgery
There are many different circumstances where your pet may require surgery. Sometimes the surgery can even be a matter of life or death. In these situations, it’s not possible to wait until you have the funds to pay for the treatment, and you’ll need to have it sorted straight away. Luckily, a personal loan with City Finance will be quickly approved and can help get your pet the medical attention it requires.
Pet Chemotherapy
Getting a cancer diagnosis for your beloved pet is heartbreaking. However, thanks to modern developments, treating a pet’s cancer may help them recover and let them live a loved and happy life. The average cost of treating cancer for a dog in Australia is between $3,000 and $13,000. If this is out of your budget, don’t worry, you can take out a personal loan with us and pay the balance off gradually at a rate you can afford.
Vet Bills
Vet bills can be costly, and if your pet is in a dire situation, they’ll need help ASAP. Affording the cost is additional stress that you don’t need on your shoulders. Instead, get in contact with us to instantly cover the costs of the treatment so that you can focus on helping your pet get better while we focus on managing bills.
We’re Here For Your Pet
Let Us Cover Your Pet's Vet Bill Today
As one of the leading providers of loans for vet bills, City Finance understands that each pet’s needs are unique. That’s why we offer flexible terms spanning 12 to 52 weeks and personalised repayment plans. If you’re a Centrelink recipient, pensioner, or self‑employed, our inclusive lending means we’ll still consider your application, no matter your credit history. We focus on your ability to repay!
With City Finance, you’re backed by over two decades of lending expertise in Australia. Our secure, encrypted application protects your personal data, and our transparent fee schedule guarantees there’ll be no surprises.
When your pet needs care, you need swift, compassionate support, and that’s exactly what our vet loans for pets deliver. Get the loan you and your pet deserve today!
FAQs
How quickly can I access vet bill loans?
After you submit the online application, our team reviews your details and gives you a call within 3-4 business hours. Upon approval, vet bill loan funds are sent via OSKO to your bank account, often within minutes and always by the end of the same business day. This speed means your pet’s treatment never has to wait.
What loan amounts are available for vet bills?
You can borrow anywhere from $500 up to $5,000 for vet loans for pets. Smaller amounts cover routine appointments or vaccinations, while larger sums can finance surgeries, specialist consultations, or multi‑stage treatments like chemotherapy. You choose the amount you need, and we tailor your repayment plan accordingly.
Will a credit check affect my application for pet loans in Australia?
Our primary focus is on your ability to repay, not on past credit hiccups, meaning we don’t automatically decline you over credit history. We do perform a soft verification, via your income and bank statements, to help us set a repayment schedule that won’t strain your budget.
How are repayments structured for vet bill loans?
Repayments of vet loans for pets are fully customisable: choose weekly, fortnightly, or monthly direct debits. We’ll work with you to set an instalment size that aligns with your cash flow, avoiding catch‑up fees or surprise penalties. If your circumstances change, say, an additional pet emergency, you can contact us to discuss adjusting your schedule.
What fees apply to a loan for vet bills?
All fees are disclosed up front. For SACCs ($500–$2,000), there’s a 20% establishment fee plus a 4% monthly maintenance fee. For MACCs ($2,001–$5,000), you pay a flat $400 establishment fee and interest at your agreed APR. There are no hidden charges for early repayments or extra instalments, ever.
