Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.

Unexpected vet trip out of your budget?

Whether you need a loan to pay for pet bills or finance for pet travel, Jacaranda Finance has a loan to suit you. Vet bills and pet finance was developed to assist Australians that need a short term loan to cover pet-related expenses.

 

The go-to lender for vet loans

We are an award-winning lender providing pet finance to Aussies nationwide. We are quick loan experts; we process loans in 60-minutes2 and support instant transfers on approval. This means you could have your cash ready to use within 60-seconds3 of approval. We are also 100% online. This means that the entire loan process, from application to approval, is handled completely online. This allows us to deliver our customers with fast and efficient service.

  • 100% Online
  • Quick and Easy
  • $2,500 – $15,000
  • Inclusive Lender
  • 60-Minute Outcomes2
  • Bad Credit OK

Get your cash in 60-seconds once approved3

Types of Vet Loans

Veterinary bills can be very expensive but sometimes cannot be avoided. Vet bills and pet finance is a form of personal loan specifically for covering vet bills and other pet-related costs. We offer two types of vet bill loans: medium loans and large loans.

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Medium Loan

Security Options: Secured and Unsecured
Loan Amount: $2,500 to $4,600
Loan Term: 9 to 24 months

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Large Loan

Security Options: Secured and Unsecured
Loan Amount: $5,000 to $15,000
Loan Term: 9 to 24 months

Common Reasons for a Vet Loan

Pets can be very expensive. Whether it’s purchasing expensive dog food recommended by the vet, buying a brand-new cat scratching pole, or an emergency trip to the vet, the costs can easily pile up. If you need pet purchase financing or pet surgery financing, vet bills and pet finance can be used to cover your costs.

Haven’t visited the vet in a while? Here are some reasons to consider pet health care financing. Vet costs can include:

Professional services like physical exams, medical exams or hospitalised patient exams
Surgical procedures
Anaesthesia for surgical procedures
Diagnostic services, diagnostic imaging (this could range from ultrasounds to radiographs depending on what your vet recommends)
Lab work – this could be from collecting labs to analysing the samples
Hospitalisation services – this may include overnight stays, inpatient monitoring or any other hospital services required

How to apply for loans for pet bills Australia

If you are ready to apply for vet bills and pet finance with Jacaranda Finance, you can complete our quick and easy online application within minutes. We process our loan applications within 60-minutes2. Once approved, you could receive your cash into your bank account in 60-seconds3. Follow these simple steps to apply for an online loan:

iPhone
Step 1: Apply online

Apply for vet bills and pet finance online. We will assess your application as fast as possible.

mail
Step 2: Supporting docs

Have your personal info, 100 points of ID, and online banking details at the ready to smoothline the process.

applications
Step 3: Sign your contract

Our team will let you know the outcome of your loan application. If approved, review and sign your contract.

money
Step 4: Receive funds

Receive your money.

iPhone
Step 1: Apply online

Apply for vet bills and pet finance online. We will assess your application as fast as possible.

mail
Step 2: Supporting docs

Have your personal info, 100 points of ID, and online banking details at the ready to smoothline the process.

applications
Step 3: Sign your contract

Our team will let you know the outcome of your loan application. If approved, review and sign your contract.

money
Step 4: Receive funds

Receive your money.

Eligibility

All of our applicants must meet our standard eligibility criteria before we can approve their loan application. Please ensure you meet the following requirements before you apply:

  • You are at least 18 years old
  • You have had a consistent income into your bank account for 90 days
  • You are an Australian citizen or permanent resident
  • You have an email address and mobile phone number

Supporting documents required

So that we can process your loan as fast as possible, please ensure that you supply your documents when you submit your application:

  • Your basic personal information
  • 100 points of identification
  • Your online banking login details
  • Your myGov login details (if you receive Centrelink benefits)
  • The reason for your loan

Pet Financing Bad Credit

Bad credit will not stop you from accessing vet bills and pet finance with Jacaranda Finance. We are an online lender, which allows us to have more lenient credit requirements than traditional lenders. We provide bad credit personal loans for Australians with poor credit that are in need of short term finance. We utilise bank statements to conduct a thorough financial assessment. If we find that an applicant can manage their loan, even with a bad credit history, we may be able to provide them with a same day loan.

We adhere to responsible lending guidelines set by ASIC. We must still conduct credit checks on every applicant. However, a bad credit score will not be the only factor considered in your application.

Common pet claims (without pet insurance)

Cats and dogs can both be very expensive patients at the vet. If you don’t have pet insurance, these are the costs for kitten and puppy claims according to Pet Insurance Australia.

Top 5 Kitten Claims
Eye conditions – $100 to $350
Diarrhoea – $100 to $600
Conjunctivitis – $100 to $900
Lethargy – $350 to $2,500
Foreign object – $500 to $4,500Top 5 Puppy Claims
Conjunctivitis – $100 to $1,000
Diarrhoea – $150 to 1,500
Otitis externa (ear) – $100 to $1,500
Ear infection – $100 to $1,000
Vomiting – $1,000 to $6,000
Top 5 Kitten Claims Top 5 Puppy Claims
Eye conditions – $100 to $350 Diarrhoea – $100 to $600 Conjunctivitis – $100 to $900 Lethargy – $350 to $2,500 Foreign object – $500 to $4,500 Conjunctivitis – $100 to $1,000 Diarrhoea – $150 to 1,500 Otitis externa (ear) – $100 to $1,500 Ear infection – $100 to $1,000 Vomiting – $1,000 to $6,000

 

Over 4,800 Reviews On Trusted Platforms

Sometimes we offer customers incentives encouraging an honest review be it negative or positive based on their experience. It is possible that some reviews were written by customers who received a reward.

Last updated: 03/05/2022

Super easy and fast system, applying was seamless and money was instant!

Shaan Johari – GOOGLE REVIEW

Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.

naomie falconer – GOOGLE REVIEW

Brilliant service and quick action during application process the best there can be when it comes to quick loans.

Nathan Ross – GOOGLE REVIEW

It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to my friends and relatives. Thank you very much.

Dianita Miguel – GOOGLE REVIEW

Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.

Jim Mccullough – GOOGLE REVIEW

Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and easy. Thank you.

Brendan Lau88 – GOOGLE REVIEW
 

Frequently Asked Questions