Vet Bills and Pet Finance | Pet Finance up to $10,000

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Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*

*During normal business hours.

Vet Bills and Pet Finance

Nifty Loans offers personal loans for vet bills and pet finance from $500 to $10,000.

If you have had unexpected vet bills or need pet finance, Nifty Loans offers personal loans to cover these expenses. We are one of Australia’s fastest-growing online lenders.

Has your pet had an unexpected emergency?

If your pet has had an emergency trip to the vet, you may need a loan to pay for pet bills. Nifty Loans created a personal loan option just for this situation; we offer vet bills and pet finance from $500 to $10,000 so that you can provide your pet with the care it needs. If you are searching for loans for pet bills, it is likely that your pet needs veterinary care that cannot be off-put; we offer loans for pet bills Australia so that you can look after your pet with a vet loan.

Nifty Loans is an online lender. This means that we can deliver very fast loan outcomes, 100% online. We do our best to deliver loan outcomes within just 60-minutes* and we support instant transfers on approval. This means you could have your cash ready to use for your vet bills within just 60-seconds**. 

What is vet bills and pet finance?

Vet bills and pet finance is a category of personal loans created by Nifty Loans for people that need short term financial assistance to cover veterinary bills. We offer three types of vet bill loans Australia: small loans, medium loans and large loans.

Loan type

Loan amount

Loan term

Small loan

$500 to $2,000

6 to 9 months

Medium loan

$2,100 to $4,600

9 to 24 months

Large loan

$5,000 to $10,000

9 to 24 months

Any amount within our small loan tier will all be an unsecured personal loan. Our medium and large loans are secured personal loans. This means that an asset must be attached to the loan as collateral. If you would like a more detailed breakdown of our loan options, please refer to our costs page. 

What are the most common forms of vet bills and pet finance?

Vet bills can be extremely expensive, especially if you do not have pet insurance. You may wish to utilise pet purchase financing, finance for pet travel or require pet surgery financing; Nifty Loans’ vet bills and pet finance can be used to cover all of these costs. Here are the most common vet services you may need to utilise:

  • Professional services – includes a physical exam, medical exam, extended exam and hospitalised patient exam
  • Diagnostic services
  • Diagnostic imaging, which may range from ultrasounds to radiographs
  • Lab work services – collecting labs and analysing samples
  • Surgical procedures
  • Anaesthesia for procedures
  • Hospitalisation services, which may include overnight stays, inpatient monitoring and more

Whether you have a cat or dog, you may incur different vet costs for taking care of your pet’s health. These are the costs for kitten and puppy claims without health insurance in Australia according to Pet Insurance Australia.

Top 5 kitten claims

  • Diarrhoea – $100 to $600
  • Conjunctivitis – $100 to $900
  • Lethargy – $350 to $2,500
  • Foreign object – $500 to $4,500
  • Eye conditions – $100 to $350

Top 5 puppy claims

  • Otitis externa (ear) – $100 to $1,500
  • Conjuntivitis – $100 to $500
  • Diarrhoea – $150 to $1,500
  • Ear infection – $100 to $1,000
  • Vomiting – $500 to $6,000

How to apply

If you are ready to apply for pet health care financing, our application process is simple and easy with our 100% online application form. It may take you just a few minutes to complete your application, and we will do our best to deliver you a 60-second loan outcome*. We support instant transfers on approval so you may have your cash for vet bills in your account within 60-seconds of approval**. Follow these simple steps to apply:

Step 1: Apply online

Step 2: We assess your loan application

Step 3: Our team will let you know whether your application was successful

Step 4: If approved, review and sign your contract

Step 5: Receive your money


We have some standard eligibility criteria all of our applicants must meet. So that we can process your loan, please ensure that you meet the following eligibility requirements:

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

Supporting documents

We also require copies of your supporting documents to be submitted along with your online application. So that we can process our loan applications as fast as possible, please ensure that you provide the following documents when you apply:

  • 100 points of identification
  • Your basic personal information (full name, date of birth, address etc.)
  • The reason for your online
  • Your online banking information
  • Your myGov login details (if you receive Centrelink benefits)

Bad credit vet bill loans

Nifty Loans is an online lender, which allows us to be more lenient in our lending requirements than traditional lenders. We offer pet financing bad credit to eligible borrowers that meet our lending criteria. We use current copies of your bank statements to ensure that you can reasonably manage your loan repayments. If we find that an applicant can manage their selected loan repayment amounts, even with a bad credit history, we may be able to provide them with a bad credit personal loan.

We must conduct credit checks on every applicant in line with the responsible lending guidelines set by ASIC. Each application is subject to a thorough individual assessment.


How much can I borrow?

You can borrow any amount from $500 to $10,000 to cover your vet bills or pet finance. Your repayments will vary depending on how much you borrow.

What are the fees and charges?

The fees and charges may vary depending on your individual circumstances. Each of our loan options accompanies different fees, which may include interest and monthly fees. The interest rate you are offered will also be influenced by your current financial situation. Your loan contract will include all fees and charges that may be applicable to your loan.

Why do you need my online banking details?

We use a service to access read-only copies of your bank statements as a part of our financial assessment. We will use these bank statements to ensure that the loan amount you have applied for is manageable for you.

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Andy Andy


Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loan Example

$5,000 - $10,000

Loan amount:
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
18 months, (78 weekly repayments)
Establishment fee and Total Interest:
Total payable:
Weekly installments:
View Loan Details

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
9 - 24 months
Establishment fee:
Monthly Fee:
Comparison Rate:
View Example
Loan amounts:
24 Months, (104 weekly repayments)
Establishment fee:
Total other fees:
$1,609.44 (reducing interest)
Total payable:
Weekly installments:
View Loan Details

Small Loans

Small Loan Example

$500 - $2,000

Loan amounts:
$500 - $2,000
12 months
Establishment fee:
Monthly Fee:
N / A *
Comparison Rate:
View Example
Loan amount:
12 Months, (52 weekly repayments
Establishment fee:
Total other fees:
Total payable:
Weekly installments:
View Loan Details

* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true 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. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.