Vet Bills and Pet Finance | Pet Finance up to $15,000
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What's New?

We're now becoming part of the award winning Jacaranda Finance group.

Here's what you can expect:

  • Market leading customer service
  • 60-Second Transfers once approved3
  • Fast Loan Outcomes1
  • Simple & Easy Application
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.

Nifty Loans offers personal loans for vet bills and pet finance from $2,100 to $15,000.

If you have 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 has a personal loan option just for this situation; we offer vet bills and pet finance from $2,100 to $15,000 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 on the same day* 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 two types of vet bill loans Australia: medium loans and large loans.

Loan type Loan amount Loan term
Medium loan $2,100 to $4,600 9 to 18 months
Large loan $5,000 to $15,000 12 to 24 months

Our medium is either secured or unsecured, and our large loans are secured personal loans. This means that an asset must be attached to the loan as collateral.

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 $2,100
  • 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

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 application
  • Your online banking information

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 abide by ASIC’s responsible lending guidelines. Each application is subject to a thorough individual assessment.


How much can I borrow?

You can borrow any amount from $2,100 to $15,000 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.

Ready to Apply?