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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 quote
Get a Free Quote icon
Get a Free Quote icon
Get a Free Quote icon

Get a Free Quote

Obtain an indicative rate quote in minutes, without impacting your credit score!

Review
Apply in Minutes icon
Apply in Minutes icon
Apply in Minutes icon

Apply in Minutes

If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.

Get funds
Get Your Funds icon
Get Your Funds icon
Get Your Funds icon

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.

Calculator
Calculator
$30000
4 Years
Select repayments type
Your Repayments From
$254.85
per week
This will not impact your credit score
Indicative Rate From
6.57%
Comparison Rate From
7.19%
The interest rate and repayment amount are estimates only and are based on the information you have provided. Your actual interest rate and repayment amount may be different. Terms and conditions, fees and charges and eligibility and lending criteria apply.
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The interest rate and repayment amount are estimates only and are based on the information you have provided. Your actual interest rate and repayment amount may be different. Terms and conditions, fees and charges and eligibility and lending criteria apply.
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Cover the cost of vet bills
Quickly secure funds
Fund a one-off procedure
Cover the cost of multiple pets

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.

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A quote won’t impact your credit score

Taking the stress out of finance

Read what our happy customers are saying about us

Fabulous service I can’t thank
Jake and his team enough

Easy and much faster than expected. I am so happy to recommend them to anyone . My puppy, Mochi is thankful too as now he can have his much needed surgery.
Sharon R.
productreview.com.au

Quick and Easy

Quick and easy, completed the application online last night and first thing this morning I have a call to go over the application and documents with me in minutes. Great service! Fast and efficient
Benjamin
productreview.com.au

Customer service AMAZING

The whole process from start to finish was made easy by the help from every team member is spoke with, Syeda explained everything so that I could understand and again very helpful
Jamie
productreview.com.au
Handy Guide

Vet Bill Loans Explored

Handy Guide

Vet loans from Handy Finance

A vet bill loan is a type of personal loan from Handy Finance specifically designed to cover the cost of veterinarian bills.

Vet bill loans can cover the cost of regular check-ups, one-off or emergency procedures and pet insurance. You can use your loan to cover the cost of multiple pets so you can ensure everyone receives the level of care they need. Together, these items can add up to a significant cost. Taking out a loan for your vet bills is like creating a custom payment plan. You’ll be able to pay the bill in full and then spread the cost over manageable repayments for the life of the loan. 

A vet bill loan can be used to cover the health and well-being costs of most domestic pets, including birds, cats, dogs, fish, reptiles or small mammals (such as mice, rabbits or guinea pigs).

Applying for a vet loan with Handy Finance

What does a vet bill loan look like from Handy Finance? You can borrow between $2,001 and $75,000 to be repaid over a term of one to seven years. You can pay weekly, fortnightly or monthly instalments, which will benefit your financial situation. There is also a $0 repayment fee – so you can repay your loan early if your financial situation changes at no extra cost. 

As with other Handy Finance Personal Loans, you’ll only need to pay an establishment fee. There are no other regular fees or changes associated with the loan. 

Our vet bill loans are all secured and have a fixed interest rate. This means your repayments will remain the same over the lifetime of the loan. We aim to tailor our loans to your needs, so your final interest rate will be based on your financial situation at the time of application. However, you can use the Handy Finance Loan Calculator to estimate your interest rate and repayments. The loan calculator needs you to input your ideal loan amount, loan term, repayment frequency and credit score. From there, you will see an estimated interest rate and repayment sum based on those factors. You can adjust the inputs to see how a different credit score or loan term may affect your interest rate and repayment sum.

Eligibility criteria for vet bill loans

The eligibility criteria for a loan to cover vet bills are the same as those for our other personal loans. To qualify for a vet bill loan, you will need to meet this criteria: 

  • You must be 18 years of age or older
  • You must be an Australian citizen or permanent resident
  • You must be currently employed, which includes self-employment
  • You must not have a history of bankruptcy or be party to a court judgment
  • You must not have any outstanding or unpaid defaults. 

You can apply for a Handy Finance loan online using our application form. You’ll receive an indicative decision within minutes. Once approved, funds will be sent to your nominated bank account within 24 hours. 

Frequently Asked Questions

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.

Yes, funds for a vet loan can be put towards paying pet insurance. 

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.

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. 

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.

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. 

You can. There are no restrictions on spending your loan for vet bills across multiple bills and multiple pets.

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.

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.

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.

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.

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Have questions? Handy Finance can help

For more information about loans with Handy Finance, check out our helpful resources, get in contact with our team on 1300 990 115 or complete our online enquiry form.

Unlock possibilities with Handy Finance vet bill loans

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