Vet Loans
Check If You Qualify
With no impact on your credit score!
Check If You Qualify with no impact on your credit score!
*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
Award-winning lender
About our Vet Loans
Did you know that nearly two-thirds of Australian households have a pet? With more than 5 million dogs, 4 million cats and over 11 million fish, we're one of the biggest pet-loving nations in the world!
But that also comes with a cost. In 2019 Aussies spent more than $2.5 billion at the vet, second only to food as our biggest pet expense. If your latest vet bill is a bit more expensive than you’d prefer, turn to Jacaranda Finance for a fast and flexible personal loan, so you can focus on what matters - getting your furry friend back to good health.
We Make Applying Easy
We know how important it is to receive your funds in a timely manner. As a hard-working Australian, you don’t have time to waste on needless paperwork.
That’s why our loan application process has been perfected over time to be as simple and quick as possible.
Common Reasons for a Vet Loan
Vet costs can easily pile up, and you might find it preferable to spread your costs out into manageable instalments rather than a single lump sum.
Here are some of the more common reasons our customers take out vet loans:
Physical or medical examinations
Surgical procedures
Anaesthesia for surgical procedures
Diagnostic imaging (ultrasounds, radiographs)
Lab work
Hospitalisation services and overnight accommodation
The cost of common vet bills
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 $4,500
Top 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
Rates & Fees
Trusted by 1,000s
What else can I use a personal loan for?
Vet loan FAQs
Want more information? Here are some of our most frequently asked questions when it comes to vet loans.
Jacaranda offers three loan products with varying loan amounts that you could borrow:
- Jacaranda Express Personal Loan: $5,000 to $25,000
- Jacaranda Cash Boost Loan: $2,100 to $4,600
- Jacaranda Car Loan: $10,000 to $25,000
For detailed information about who our products are designed for, please review our Target Market Determinations.
Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loan products, visit our rates and fees page.
Repayments on your loan are automatically set up to be deducted via direct debit from your bank account in line with your pay cycle.
Provided you are meeting your minimum contractual repayments, you can change the date of your direct debit payments, make extra repayments, change your bank account details and more from either the FastMoney app or online portal.
Download the app on the Google or Apple store today.
Read more: Personal Loan Repayments 101.
Our loan application process has been designed to be as simple and quick as possible, as we know how important it is to receive your funds in a timely manner. How quickly you can apply for a personal loan and receive your funds will depend on your situation.
Applying for a loan with Jacaranda Finance takes most people 5-12 minutes1, but it could take longer depending on a number of factors such as but not limited to how fast you are at typing or if you have all the required information on hand.
After applying, most customers get an outcome on their loan application on the same day during normal business hours once we have received all of the supporting information we require. We do not guarantee same-day outcomes for all customers.2
Once an applicant has been approved and they have signed a contract, we automatically attempt to release the money to the applicant's bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds. For other customers, the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.3
Once you submit your application, our loan processing engine will extract read-only copies of your bank statements. In addition, every application we receive goes through a thorough assessment of suitability to ensure that you can comfortably afford your Jacaranda loan if approved.
This is all done in a matter of minutes! In some cases, we may need to verify additional information with you or request supporting documents. If that is the case, we'll be in contact to let you know exactly what we need.
The interest rate, fees and charges applied to your loan will depend on your individual circumstances and the information verified during the loan assessment. It will also depend on our assessment criteria and the loan product, loan amount and loan term you qualify for.
Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loan products, visit our rates and fees page.
We use the information you provide in the online application form as well as information on your bank statements to make sure that you qualify for a loan product during our credit assessment. If you don't qualify, your application will be declined without a credit check being conducted.
Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file.
We will never perform a credit check without your express consent, which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for seven years, and it can be supplied on demand.
There are four credit reporting bodies that we may use to conduct a credit check:
- Equifax
- Experian
- illion
- Talefin
Review our Privacy Policy for more information.
- Be at least 19 years of age.
- Be employed on a permanent or casual basis.
- Have a consistent income going into your own bank account for the last 90 days.
- Be in control of your finances and be handling existing financial commitments comfortably.
- Be an Australian citizen or permanent resident with a fixed address.
- Have an active email address, phone number, and online banking account in your name that belongs to you.
We accept a wider range of credit history than a bank or a prime lender, but we do not recommend submitting an application if:
- You are currently or recently bankrupt (you must be three years discharged and in control of your finances)
- You are not comfortably repaying your existing financial obligations
Need a hand?
Our customer service team are here to help.
If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you. Our customer service team is 100% Australian-based in Brisbane: at Jacaranda, you speak to a real human being every time.