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Last updated on April 20th, 2022 at 01:57 pm by Bill Tsouvalas

Competitive personal loans to help you finance your vet bills

Pets form a crucial part of the family dynamic all around Australia but, like humans, caring for their health can set you back a considerable amount. Fortunately, you can find and compare a range of affordable personal loans with Savvy to help you cover the cost of your vet bills today.

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site-logos Wisr Unsecured Personal Loan
  Advertised Rate from (p.a.) Comparison Rate from (p.a.) Loan Term Min-Max Loan Amount Monthly
Repayments
 
site-logos 8.20%
fixed up to 17.95% p.a.
9.04% 
fixed up to 18.87% p.a. based on $30,000 over 5 years
3 to 7
Years
$5,000 to
$64,000
$611.17
over 60 months
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Borrow between $5,000 and $64,000 with great low rates for excellent credit. Get a personalised rate estimate in 2 minutes that won't impact your credit score.

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site-logos Plenti Unsecured Personal Loan (Excellent Credit)
  Advertised Rate from (p.a.) Comparison Rate from (p.a.) Loan Term Min-Max Loan Amount Monthly
Repayments
 
site-logos 7.39%
fixed up to 8.79% p.a.
7.39% 
fixed up to 9.91% p.a. based on $10,000 over 3 years
3 to 5
Years
$5,000 to
$50,000
$599.57
over 60 months
Go to site

Apply for an unsecured personal loan and enjoy low rates for excellent credit. With no early repayment or exit fees, there’s a lot to love about this loan.

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site-logos OurMoneyMarket Unsecured Personal Loan
  Advertised Rate from (p.a.) Comparison Rate from (p.a.) Loan Term Min-Max Loan Amount Monthly
Repayments
 
site-logos 5.85%
fixed up to 20.99% p.a.
6.48% 
fixed up to 23.83% p.a. based on $30,000 over 5 years
1 to 7
Years
$2,000 to
$75,000
$577.89
over 60 months
Go to site

Apply for an unsecured personal loan between $2001 to $75,000 for a variety of loan purposes. Get a personalised rate estimate in minutes without impact your credit score.

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site-logos Harmoney Unsecured Personal Loan
  Advertised Rate from (p.a.) Comparison Rate from (p.a.) Loan Term Min-Max Loan Amount Monthly
Repayments
 
site-logos 5.35%
fixed up to 19.09% p.a.
6.14% 
fixed up to 19.99% p.a. based on $30,000 over 5 years
3 to 7
Years
$2,000 to
$70,000
$570.96
over 60 months
Go to site

Borrow up to $70,000 with personalised rates and repay over 3,5 or 7 years loan terms.

More details

Disclaimer: A comparison rate indicates the true cost of a loan. The comparison rate displayed for this advertiser is calculated based on a loan amount of $30,000 over 5 years and represents the effective rate on the loan. Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.

See how we can help you find your vet finance deal

Common questions about finance options for your pets needs

How long does the process take?

You can receive an instant approval within one to two minutes of submitting your application, after which point it can be processed, fully approved and funded within 24 hours.

How long can I take to repay my personal loan?

Personal loans are generally offered over terms between one and seven years in length. However, the term you’re approved for will depend on your profile (longer terms are generally reserved for borrowers deemed to be safer by lenders, such as those with very high credit scores) and the size of your loan (a seven-year term would make little sense for a $5,000 loan).

Can I get a loan if I use any practitioner?

Yes – as it’s a personal loan, which is able to be used however you wish, you can choose any practitioner you like for helping your pet out. 

Can I get pre-approved before taking my pet to the vet?

Yes – pre-approval is often a great way to help determine the type of loan you’re eligible to take out before you commence the formal application process. 

Can I pay out my loan early?

Yes – one of the features most of our partnered lenders offer is flexibility when it comes to repayments, in particular not penalising early repayments. This gives you as a borrower the opportunity to save more on your loan and reduce the interest paid overall by contributing more than the minimum, therefore shortening its term. 

Can I use the loan to pay for upfront pet insurance fees?

Yes – the loan you take out doesn’t have to be used exclusively for the cost of a procedure or checkup itself; you can also use it to pay for any other associated expenses, such as pet insurance.

Your helpful guides on vet finance

Pet insurance

There are increasingly more pet insurance policies on the market to help people give their pets the best care that they can. Pet insurance can provide cover for things such as illness, accidental injury and also cover trips to the veterinarian. However, you will have to consider the flexibility of the policy you are interested in to see if it will cover a wider range of illnesses such as diabetes and injuries sustained from certain activities. Weighing the cost against what the policy offers will help you see if you are getting the best value.

Pets saving account

To help lower the expenses of having a pet you could consider opening a savings account and start depositing a small amount every month. If you are someone who needs some assistance with being consistent when it comes to saving towards your pet’s needs, you can opt to have your savings automated. Once your savings have grown to a reasonable size you will be able to better handle more expensive bills. However, there may be some bills which far exceed the amount in your savings, so you can use this amount to offset your personal loan amount.

Sticking to a routine to save

Your pet needs a routine check-up which can be one of those many things that can slip your mind. However, sticking to a set routine can help you decrease your bills. Whether you set up a calendar or a reminder on your device to remind you to take your dog for deworming, tick removal or routine medical check-ups will be a saving grace. If you ignore the minor problems, they can sometimes grow to something far more serious, which could ultimately result in a hefty bill.

What to compare?

When it comes to comparing loans to take care of any medical bill from the vet you will have to check the interest rate. The comparison rate is a great place to start, as it shows the true cost of a loan by taking the loans fees and charges and expressing it into a percentage. Making use of an online calculator will help you to see what you will be paying in terms of your monthly repayments to see whether it is in your financial reach. Always compare your loans along with the services that you plan to use.