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Vet bills can be a huge burden in Australia and that’s why we offer fast, easy online personal loans. There’s nothing worse than your fur-baby needing emergency care or medication only to find huge upfront costs. With Swoosh, you don’t need to worry. Getting a Vet Bill Loan for your pet is easy with our 100% online application. You can cover the cost of the veterinary bill and pay off your loan in easy, manageable instalments.
Apply online today for access to fast easy finance.
12 Ways To Get Help With Vet Bills
What is a vet loan?
A Swoosh vet loan is a type of small personal loan used to cover veterinary costs. You can cover any emergency veterinary bills or other costs right away instead of having to cover the full cost out-of-pocket. Whether you need an emergency loan for vet bills or some cash to help cover extra pet expenses, we’re here to help.
How does a vet loan work?
When you take out a personal loan for pet bills you receive a lump sum of money, which you then pay off in instalments over 12 months. The repayments will be made up of the initial borrowing amount and any interest and fees included with the loan.
We pride ourselves on our quick easy loans for Aussies who need money now. So, if an application is completed during normal business hours, our quick online loan approval usually comes within one hour (60 minutes) of receiving all required information and documents from you.
Once a contract is signed electronically, we’ll deposit the funds directly into your bank account. If you return your contract by 3:30pm AEST, your funds will be transferred overnight, so you can have your veterinary loan within 24 hours!
How much can I borrow?
You can borrow between $2,200 – $5,000 from Swoosh to cover any vet bills.
Flexible loan repayments
To make life stress-free and easy, we align your repayments with your payday so you don’t miss a repayment.
- Weekly
- Fortnightly
- Monthly
Apply for a pet bill loan
We’ve worked hard to make our quick loans online application as quick and easy as possible.
1. Complete an online application on your mobile phone, computer or tablet. Applications only take minutes.
2. Approval of your loan happens within 60 minutes of you providing the required information (during business hours)*. The decision will arrive promptly – right in your inbox.
3. After approval, an offer is sent to you via email. Once you’ve signed the contract, we’ll send the money directly to your bank account.
*Approval speed is conditional upon receipt of all requested relevant documents/information & usually comes within 1 hour during normal business hours/banking days. If you return your contract by 3:30pm AEST, your funds will be transferred overnight.
Get a vet bill loan today
Eligibility
We only have 4 criteria for you to be eligible to apply for a quick cash loan:
Be at least 18 years old
Employed for at least 3 months
Be a permanent resident or valid visa holder of Australia
Own a vehicle registered in your name
If you meet these requirements, you can apply for a short term loan online and get a fast approval. Remember, it’s free to apply and applications can be paused or stopped at any time—there are no obligations resulting from the application.
Interest rates and fees
We like to keep things simple with our quick and fast loans.
| Loan amount | $2200 to $5000 |
| Application fee | $0 |
| Establishment fee | $400 |
| Other fees and charges | $16 |
| Annual Interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
| Debit dishonour fee (if a scheduled payment is returned unpaid) | $35.00 |
| Repayment options | Weekly, fortnightly or monthly (based on your pay schedule) |
Interest is calculated daily, based on the outstanding balance and then applied to your account. Daily interest rates are computed by dividing the annual interest rate by 365.
Find out more: Payday loans rates and fees
Bad credit veterinary loans
Bad credit shouldn’t stop you from getting your beloved pet the care they need. Whether it’s to cover emergency surgery, dental work, injuries, or just a regular check-up, Swoosh is here to help. We offer bad credit veterinary loans to Aussies who meet our simple eligibility and lending criteria.
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The Swoosh difference
Our Cash Loans are available when you’re in a pinch — and we work hard to make it happen fast.
We put you first, ensuring you have all of the information upfront.
Swoosh Cash Loans give you the funds you need now from a lender you can trust.
Want to chat to someone?
Use our live chat or fill out the contact form to get in touch with a Swoosh Finance specialist
