Need to Take Care of your Pooch? Read on!

vet bills and pet finance

Picture this: You’ve just received the dreaded energy bill in the mail, the home computer has just turned black and you turn to notice your furry friend scratching their ear. You know a costly trip to the vet is just around the corner. You think of all the vet bills and pet finance you’ll need, and feel yourself drowning. That’s when you think of Nifty Loans! We can kit you out with pet loans that’ll set your nerves to rest. But, before we get too personal, we should introduce ourselves.

Introducing Nifty Loans

We are a small, alternative loan company that is 100% online. We are dedicated to providing easy loans to all Australians who are searching for quick cash for pet bills. Our loan service is ready to clear the grey aura surrounding lending. When you think short-term lenders, you may think of a dirty shop front with a neon sign. However, Nifty Loans is different. We are a legitimate loan company that is dedicated to offering fair finance to those who need some extra moolah to bridge the gap. Our loans can help in any financial circumstance, such as vet costs!

Need a loan for vet expenses?

Then, you’ve come to the right place! We offer veterinary bill loans. We understand that vet costs are expensive, and when you receive the dreaded bill, it’s always more than you think it’ll be. That’s when the panic sets in. No, wait! That’s when you turn to Nifty Loans. We offer pet bills starting from $300 – $5,000 (depending on the emergency!). We want your furry friend to be taken care of without the stress of expenses intervening. That’s Nifty!

Who is eligible to apply?

We endeavour to provide pet loans for any Australian who is searching for relief from veterinary bills. However, we have four little requirements you must meet before we can begin to assess your application. So, before applying for a loan, have a look at our checklist to see if you’re eligible:

  • Must be over 18 years old
  • Be an Australian citizen or permanent resident
  • Be receiving a regular income into a personal bank account for the last 3 months
  • Have an active mobile number and email address

And that’s it, just four little requirements and you’re on your way to applying with Nifty Loans! So, make sure to check off all these requirements before applying.

Speedy applications

We think our applications are pretty speedy. However, we have a trick to make them even faster! Before applying, have all these details handy to speed up the application process:

  • Mobile number and address
  • Reason for a loan
  • Bank account details
  • Centrelink info (if applicable)

If you have these details by your side, you’ll slide through your application.

Requirements explained

You may be thinking, “why do they need my bank account details?” Over the years, we’ve been trained by online scams to be wary of giving over our bank details. However, don’t worry, we have a good reason. We use the latest in safe banking technology to access a read-only copy of your bank statements and expenses. We don’t have access to your bank account or the moolah in it! So, no need to worry. And bonus: because we use this technology, there is no need to send us copies of your expenses and bank statements. Our loan process is 100% paperwork free!

We respect your privacy and will only share your information when we have permission. Our privacy policy is an important pillar of our business operations.

How to apply for vet bills and pet finance

Applying is easy and 100% paperwork free! If you follow these four simple steps, you’ll be able to complete your loan application in no time and you can get back to cuddling your healthy furry friend:

Step one: Apply Online

Applying online can be done in minutes. That’s right. Who knew that completing a small loan application would take the same amount of time as making a cup of tea? We know that time is money, and we don’t want to waste yours. So, we have designed a user-friendly, quick application. It starts with our loan calculator.

You’ll find our loan calculator at the top of each of our web pages. Wherever you land on our website, just start with our loan calculator. Firstly, select how much you wish to borrow and for how long. Then, how frequently you wish to make repayments, either: weekly, fortnightly, or monthly. Once you’re happy with your loan terms, click the Apply button and you’ll be taken to our speedy application page.

Step two: Conditional approval

Once you’ve filled out the vet bills and pet finance application, all the hard work is done – on your end at least! Our loan specialists will get to work assessing your loan application. Firstly, if you qualify for vet bills and pet finance, we will notify you via text or email. So, whilst you’re tending to your virtual farm, keep a keen eye on your notifications.

Step three: Assessing your application

After you receive a conditional approval, our loan specialists will get to work assessing your loan. Whilst we assess your loan, we do perform credit checks, look at your bank records and contract your place of employment. Don’t worry, we are more lenient than traditional lenders. However, we still adhere to responsible lending practices. We don’t approve a client that cannot afford their repayments.

Step four: Collect your moolah!

Once all the assessing is out the way, we can get to the fun stuff: collecting your moolah! If you’re approved, we will transfer your funds to your nominated bank account. Times may vary depending on the speed of the banks. However, if you accept your contract inside business hours, you should receive your funds overnight at the latest.

That’s it! Just those four little steps, where all you need to do is fill out a quick application. Now you can get back to cuddling your doggo, pupper, catto, kitter, or whichever species your furry friend is.

No asterisk costs

Nifty Loans believes that any professional relationship should be founded on honesty. As a result, we are 100% upfront about all our loan costs. You won’t find any costs attached to a tiny asterisk at the bottom of your loan contract. You can find our costs all over the Nifty Loans website. However, here they are again in case you missed them:

For small personal loans: unsecured personal loans ranging from $300 to $2,000. Unsecured simply means the loan doesn’t require equity

  • Establishment fee: a once-off 20% fee of your principal
  • Ongoing fee: a monthly fee of 4% of your principal
  • Missed repayment fee: Unfortunately, if you miss your repayments than we will charge you a $27.50 dishonour fee

For medium secured personal loans: secured personal loans ranging from $2,100 – $4,600

  • Establishment fee: once-off fee of $400
  • Ongoing fee: An annual percentage rate of 48% to be charged monthly
  • Missed repayment fee: Unfortunately, if you miss a repayment we will charge your account a 27.50 dishonour fee

For large personal loans of $5,000:

  • Ongoing fee: An annual percentage rate of 21.24% of the principal
  • Missed repayment fee: Unfortunately, if you miss a repayment we will charge your account a 27.50 dishonour fee

And that’s it. No nasty surprises are hidden at the bottom of your loan contract. That’s Nifty!

Next up: easy repayments!

You’ve probably noticed that here at Nifty Loans, we think our loan process is pretty easy. Well, wait to you hear about our easy repayments yet! We have designed a loan repayment system that is a massive time saver. After you’ve signed the loan contract, we set up a direct debit with your nominated bank account and the repayments will be automatically withdrawn either weekly, fortnightly, or monthly.

When you’re completing your quick loans application, you can choose whether you want your repayments due every week, fortnight, or month. Repayments will begin four days after you’ve signed your loan contract or after your payday.

So, say goodbye to the days of setting reminders and forgetting to make your repayments! All you have to do is make sure there is enough moolah in your nominated bank account to make the repayments.

Have bad credit and need to cover veterinary bills?

Sometimes life can throw you hurdles that are hard to jump over and consequences can be long term. Well, we think that bad credit shouldn’t be the only thing that defines your finances. That’s why we look past the stain of bad credit and look closely at the positive aspects of your credit history. We adopt the philosophy of positive credit reporting to give every Australian a fair go. So, if you have bad credit and vet bills and pet finance, we may be able to help! Searching for bad credit loans? Look no further then Nifty Loans.

Are you receiving Centrelink payments and need quick cash?

If you’re receiving Centrelink payments, you may have been knocked back for personal loans in the past. However, we believe that one aspect of your finances doesn’t capture the whole picture. We look at the positive notes on your credit score, as well as your current income. Lucky for you, we consider Centrelink payments as regular income if you’ve been receiving them for at least 3 months. We know how vet bills and pet finance builds up, so don’t let Centrelink payments deter you from applying for easy finance.

Do you need help with vet loans for pensioners

Similar to bad credit and Centrelink payments, we don’t let the fact that you’re receiving a pension stop you from applying for help with vet bills. We know that your furry friend is most likely your companion and sometimes when they have a mishap it can lead you to testy financial waters. That’s why we offer help with vet loans for pensioners. We want your healthy furry friend cuddled up next to you in no time, without crippling your finances.

Vet bills and pet finance: sorted

So, if you receive scary looking veterinary bills, now you know where to turn. When unexpected expenses strike we want to take care of it. Whether you need a loan for an expensive trip to the vet or emergency surgery, we’ll do our best to sort you out with small loans and medium personal loans.

Pet insurance: is it worth it?

If you have bad luck with clumsy pets, pets that eat batteries or pets that love to do digging in precarious places, perhaps consider pet insurance. It may not cover every expense (such as pre-existing conditions), however, for frequent emergencies, it can be a viable option.

Let’s be friends

Let’s admit, animals are adorable, yet they can drain your wallet when you least expect it. That’s what we’re here for. Whilst your pet is filling you up with love, make sure your wallet and your furry friend are healthy!

If you have any questions about vet loans, don’t hesitate to contact our loan specialists team. Either pop them a quick message or give them a ring on 1300 471 328.

You may be experiencing information overload, but don’t worry if you have unanswered questions about our service. You can head to the FAQs page at any time and see if your answer is waiting for you.

Want more of Nifty Loans? Great! Follow us on Facebook, Instagram, Twitter and Google + and also keep up to date with the latest personal finance and lifestyle trends via our blog.

Who can apply?


You're at least 18 years old


You're an Australian Citizen or Permanent Resident.

Hand holding up 3 fingers

You've been receiving a regular income into a personal bank account for at least 3 months.

Email address @

You have an active mobile number and email address.

How it works

Small Loans

$300 - $2,000

small potplant
Loan amounts:$300 - $2,000
Terms:3 - 6 months
Establishment fee:20%
Monthly Fee:4%
*Max Comparison Rate:199.43%

Small Loan Example

Loan amount:$1,000
Terms:12 Months,
(50 weekly repayments)
Establishment fee:$200
Total other fees:$240
Total payable:$1,440
Weekly installments:$33.60

Medium Loans

$2,001 - $4,600

medium potplant
Loan amounts:$2,001 - $4,600
Terms:13 - 24 months
Establishment fee:$400
*Max Comparison Rate:67.41%

Medium Loan Example

Loan amount:$3,000
Terms:18 Months,
(78 weekly repayments)
Establishment fee:$400
Total other fees:$1,379.06 (reducing interest)
Total payable:$4,779.06
Weekly installments:$61.27

Large Loans


large potplant
Loan amount:$5,000
Terms:13 - 24 months
*Max Comparison Rate:48%

Large Loan Example

Loan amount:$5,000
Term:18 months,
(78 weekly repayments)
Establishment fee:$400
Total Interest:$2,027.80
Total payable:$7,027.80
Weekly installments:$90.10
*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.

Who we've helped

Need to Take Care of your Pooch? Read on! Overall rating: 4.8 out of 5 based on 21 reviews.

Who we've helped

Need to Take Care of your Pooch? Read on! Overall rating: 4.8 out of 5 based on 21 reviews.
man sitting with phone
quotation mark

Great easy application

"Well layed out application quick easy and convenient"

- Steph single mum


How customers rate Nifty's Personal Loans

Need to Take Care of your Pooch? Read on! Overall rating: 4.8 out of 5 based on 21 reviews.

Types of loans