


Vet Bill Loans
Affordable and fast loans for your vet bills
Need a bit of help taking care of your furry friend? A vet bill loan will help you ensure that your pet’s health and well-being are taken care of. Explore vet loan options from Handy Finance.
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Interest rate from6.57%p.a.*
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Comparison rate7.19%p.a.*




Cover your vet bills with a loan from Handy Finance
Whether you’re covering the cost of regular care for your pet or funding a one-off procedure, a loan can help you spread the cost of your vet bill into manageable repayments. Get your pet the care they need today with a vet bill loan.
$2-75k Loan Amounts
$0 Monthly Fees
$0 Early Repayment Fees
1-7 yrs Flexible Loan Terms
The Process
3 quick and easy steps to securing your loan
Get a Free Quote
Obtain an indicative rate quote in minutes, without impacting your credit score!
Apply in Minutes
If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.
Get Your Funds
You will receive an indicative decision in minutes. Once approved funds should be in your account within 24 hours
Get a Free Quote
Obtain an indicative rate quote in minutes, without impacting your credit score!
Apply in Minutes
If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.
Get Your Funds
You will receive an indicative decision in minutes. Once approved funds should be in your account within 24 hours
Vet bill loan calculator
Estimate what your vet bill loan repayments could look like so that you can start your borrowing journey with complete transparency.

Spread the cost of your vet bills with a loan
Vet bill loans from Handy Finance are fair and fast – always helpful when costs arrive from unexpected pet procedures. Once your application is approved, you can receive funds to your nominated bank account within 24 hours.
A quote won’t impact your credit score
Taking the stress out of finance
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Vet Bill Loans Explored
Frequently Asked Questions
What can I use my veterinary loan for?
You can use a vet bill loan for routine veterinary checks, including regular check-ups, teeth cleaning, vaccinations, and microchipping. It also covers unexpected medical expenses from accidents, fights, or medical conditions without added stress.
For necessary surgeries, often life-saving ones, you can quickly secure funds. The vet loan can help you afford treatments, which can cost thousands of dollars in Australia, allowing you to pay off the balance gradually. Additionally, it provides an instant way to cover high vet bills, enabling you to focus on your pet’s recovery.
Can a vet loan be used to pay pet insurance?
Yes, funds for a vet loan can be put towards paying pet insurance.
My pet needs vaccinations, but I can’t afford them — what are my options?
If you can’t afford your pet’s vaccinations, consider getting a vet bill loan from Handy Finance. This allows you to cover the cost of vaccinations immediately and pay off the balance gradually at a rate you can afford. Handy Finance offers quick approval, so your pet can receive the necessary care without delay.
Before I submit my application can you advise if I will get approved?
In order for us to assess your application, you’ll need to fill out our application form. We can’t review anything until we receive your application.
There are other tools you can use to estimate what your final loan terms may be based on your financial situation. The Handy Finance Loan Calculator can provide you with a clear picture of your potential buying power. Plug in your ideal loan amount, loan terms, repayment frequency and credit score. The calculator will show you an estimated interest rate and repayment sum – both the total and instalment payments based on repayment frequency.
What will my repayments be?
The final repayment sum of your vet bill loan will be the final loan amount plus interest. As we only offer fixed interest rates on our loans for vet bills, the repayment sum won’t change over the life of the loan. Your repayments are evenly spread over a loan term of one to seven years, and you can choose to repay your loan in weekly, fortnightly or monthly instalments. The frequency can be increased or decreased as your circumstances allow.
When will I receive my outcome?
Sometimes funds are needed urgently. That’s why our credit team prioritises reviewing your vet bills loan application as quickly as possible. You will receive an indicative decision within minutes of submitting your application online. Once you have been approved, funds will be available to use within 24 hours.
Can I use my veterinary loan for multiple pets?
You can. There are no restrictions on spending your loan for vet bills across multiple bills and multiple pets.
What animals are covered by my pet loan?
Handy Finance pet loans have no restrictions on the type of animal covered. Whether you have a dog, cat, bird, fish, reptile, small mammal like a rabbit or guinea pig, or even a more unusual domestic pet, your vet bills can be covered. If you have any specific questions, contact our credit team for more details and to discuss how our loan can assist with your pet’s needs.
What could the interest rate be on my loan for vet bills?
The interest rate that our credit team offers will depend on your financial situation. At Handy Finance, all our loans have a fixed interest rate. This means that the interest rate is locked in for the lifetime of the loan.
If you’d like an idea of the interest rate you could be offered, you can use the Handy Finance Loan Calculator. You can plug in the loan amount, term, repayment frequency, and credit score to calculate an estimated interest rate and repayment sum. This will give you an indication of the terms our team may offer you. It is only an estimation and shouldn’t be taken as final.
Can I make extra repayments, increase my repayments, or pay out my loan early?
You can! At Handy Finance, we have a $0 early repayment fee. If your circumstances change, and you can repay your loan before the term ends, you won’t be penalised for it. You can also increase or decrease your repayment frequency as needed – with all our loans; you can choose between paying weekly, fortnightly or monthly instalments. You can also make extra repayments as needed – contact the credit team to find out more.
What documents do I need to provide when I apply?
When you apply for a vet bill loan with Handy Finance, you need to provide documentation that proves you meet the eligibility criteria. This includes ID (driver’s licence or passport) and three months’ bank statements. When you apply, submit your bank statements through the Illion Bank Statement service. This is a secure service that we use to access and verify your statements – we won’t be able to make transactions on your account, only view the statements. You can upload the statements manually, but this will increase the processing time of your application.
Unlock possibilities with Handy Finance vet bill loans
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A quote won’t impact your credit score