Vet bills

Are you looking for a vet bill loan? Secure one in 3 simple steps!

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.

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 BrisbaneSydneyMelbournePerth 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).

Here’s a quick rundown on how you can get fully funded in a short amount of time with minimal hassle.


To apply for a loan with City Finance, you’ll need to fill in an online application form, which you can find here. The application is simple and you’ll just be required to select the amount you’d like to borrow and the repayment time, as well as fill in some personal information and send proof of identity.


Once we receive the information from you, someone from our team will call you to confirm your application details. If your application is approved, we’ll send you an email confirming the approval. We’ll also get your bank details so we can send over the money.


Once you’ve been approved, you should receive the money by the end of the day. However, most customers receive the money even sooner. From here you’ll be able to spend the money on what you please – and you will just need to meet the contracted repayments (weekly, fortnightly or monthly).

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 health, 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 vet 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 18 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)

Been approved for a loan with us in the past? You may be eligible to apply for a loan with no credit check.

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 access 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 it’s 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 expense, 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

A 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.


Highly highly highly recommended City Finance to anyone. The staff are absolutely amazing and very helpful. My experience the two times I have used their services have been amazing. Thank you guys!

Lulu Millar
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I had a very easy and straight forward experience dealing with City Finance... Very much appreciated the quick flow of decision making displayed. Regards, Graeme

Graeme Austin
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Great customer service, they're happy to help out when you need it if something unexpected has happened and you need cash fast, definitely recommend and repayments are tailored to your needs.

Cassandra Dodd
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Wonderful people very friendly and helpful been with them for some time now and have never had an issue with them always have my payments on time

Pauline Arrowsmith
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City finance for fantastic. The application is still in fairly quickly within outcome usually within 24 to 48 hours. Customer service is lovely and the only company that would help me out with the loan when no other one would. Highly recommend.

Chanelle Ryan
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