What it can cover
- Surgery after an accident or illness.
- Treatment for a sudden illness.
- Dental work for your pet.
- X-rays, scans or tests.
- A large bill after a stay in an animal hospital.
Check these before you borrow
Ask for an estimate
Vets can give you a written estimate, and update it as treatment goes.
Check your pet insurance
Your policy may pay part of the bill. Check what’s covered, any waiting periods and how to claim.
Ask about paying over time
Some vets offer payment plans. Compare what they cost.
Lower-cost clinics
Animal welfare groups such as the RSPCA run vet clinics in some areas, often at a lower cost.
How the loan works
It’s the same loan whatever you use it for. Your offer and contract show your exact figures before you accept.
| Feature | What it means |
|---|---|
| What you can borrow | $2,050 to $4,600 in cash, in $50 steps |
| Establishment fee | $400, added to the loan, so the total stays within $5,000 |
| Length | 3 or 6 months |
| Repayments | The same amount each time, weekly, fortnightly or monthly, timed to your pay. The first is at least 7 days after the loan is paid. |
| Interest | A fixed rate, charged only on what you still owe |
| Paying early | Allowed at any time, with no early repayment fee |
| Security | None. The loan is unsecured |
| How you get the money | Paid into your own Australian bank account, if you’re approved and accept |
When this loan isn’t the right fit
- Regular costs like food, flea or worming treatments.
- Vet costs that come back month after month.
- Everyday bills or living costs that keep coming back.
- Paying off other loans or debts.
- Anything for a business, investing or gambling.
- If the repayments would leave you short for essentials. Free, confidential help is available from the National Debt Helpline on 1800 007 007.
Questions
Can I apply with my vet’s estimate?
Yes. Approval depends on your circumstances and isn’t guaranteed, so ask your vet about other options too.
What if my pet insurance pays me back?
You can use that money to repay the loan early, with no early repayment fee.
How quickly is the money paid?
If you’re approved and accept your contract, the money is sent to your own bank account. Timing depends on your bank and our checks, so we can’t promise when it will arrive.
Can I pay it off early?
Yes. You can repay early at any time, with no early repayment fee. You only pay interest for the time you have the money.