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Vet Loans

Personal Loans up to $15,000

Money in your bank account and ready to use in 60 seconds once approved*(1)

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Apply in less than 8 minutes

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Apply in less than 8 minutes

Jacaranda Finance offers vet bills and pet finance from $1,000 to $15,000 to assist Aussie pets nationwide.

Vet bills and pet finance is available to Australians in need of short term financial assistance. We process our loans in 60-minutes* and support instant transfers once approved.

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. We are an award-winning lender providing pet finance to Aussies nationwide. We are quick loan experts; we process loans in 60-minutes* and support instant transfers on approval. This means you could have your cash ready to use within 60-seconds** of approval.

Jacaranda Finance is a 100% online lender. 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. When you need loans for pet bills, turn to Jacaranda.

Vet Bill Loans Australia

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 three types of vet bill loans: small loans, medium loans and large loans.

Loan Type Security Loan Amount Repayments
Small loan Unsecured $1,000 to $2,000 12 months
Medium loan Secured $2,100 to $4,600 13 to 36 months
Large loan Secured $5,000 to $15,000 13 to 36 months

Common Reasons for a Vet Loan

Pets can be very expensive; whether itโ€™s purchasing expensive dog food that was recommended to you by your 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.ย 

Havenโ€™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-minutes*. Once approved, you could receive your cash into your bank account in 60-seconds**. Follow these simple steps to apply for an online loan:

Step 1: Apply for vet bills and pet finance online

Step 2: We will assess your application as fast as possible

Step 3: Our team will let you know the outcome of your loan application

Step 4: If approved, review and sign your contract

Step 5: Receive your money


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

We also require electronic copies of the following supporting documents. 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.


What are the fees and charges?

Your loan contract will include all fees and charges applicable to your loan. The cost of your loan may depend on the interest rate offered to you; this will be influenced by your credit score. Other fees may include monthly fees or establishment fees.ย 

What if I miss a loan repayment?

An additional fee will be added to your loan balance if you miss your loan repayment. If you know that you are going to miss a payment, please contact our customer service team at least 24 hours beforehand to let them know; we will do our best to find a solution for you.

How do I pay back my vet bills and pet finance loan?

We will set up a direct debit in line with your current pay cycle. Your payments will be automatically deducted from your bank account on this selected day. When your loan has been repaid in full, your direct debits will stop.

Common Pet Claims (without pet insurance)

Cats and dogs can both be very expensive patients at the vet. If you donโ€™t have pet insurance, these are the costs for kitten and puppy claims according to Pet Insurance Australia.

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

*If you apply within our standard business hours

**If you have an NPP-enabled bank account

Reviews donโ€™t lie ๐ŸŒŸ

Reviews current as of June, 2021.

Our low rates

Our low rates

๐Ÿ’ฐ Personal Loans starting from 8.69% (12.05% p.a. Comparison Rate)

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We never charge early repayment or exit fees.

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Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, our friendly team is more than happy to answer any questions you may have.