Loans for Vet Bills with Bad Credit


Don’t compromise your Pet’s health because of a bad credit history.

Just like the rest of the family, dogs and cats can get sick or injured unexpectedly. Unfortunately, the Vet bills for surgery or medical treatment can be high.

Finance One understands that your pets are like family. We offer quick and reliable emergency Pet Care Finance so your pal can recover sooner.

We even offer loans if you have a bad credit history. Let us worry about your Pet and Veterinary Finance while you worry about your Pet.

If your Pet has had an emergency, apply for a Loan for your Pet’s bills with Finance One today.

Personal Loan Range

Loans from $5,000 to $25,000**

Personal Loan Term

Loan terms from 3 - 4 years

Personal Loan Time

Approvals in as little as 48 hours*

What can I use Veterinary Expense Financing for?

Veterinary Expense Financing for Pet bills can have your dog, cat or other animal up and about again in no time. Let us help you cover the cost of hospital time or medical treatment for your Pet with a loan for your Pet and Veterinary Expenses. Our Pet and Veterinary Financing solutions can be used for:
  • Injuries and accidents
  • Infections
  • Illness
  • Chronic conditions
  • Surgery
  • Physical therapy
  • And more!
  • Injuries and accidents
  • Infections
  • Illness
  • Chronic conditions
  • Surgery
  • Physical therapy
  • And more!

Can I apply for a loan from Finance One for Veterinary Finance?


Are you receiving regular income?

Step 2


Do you want to borrow between $5,000 to $25,000?**


Are you at least 18 years of age?

Step 2

Credit History.

Defaults on your credit file or discharged from bankruptcy?

Why Finance One? Because we believe in second chances.

Since 2010, Finance One has taken a compassionate and flexible approach to lending to everyday Australians.

We strive to find finance solutions for everyone – even those who have been rejected by the banks. We go above and beyond to help provide smart solutions to your finance problems.

Flexible Loan Repayments


Finance One customers can make extra repayments or increase their repayment amount at any time.

100% Aussie

100% Aussie

With offices in Townsville and Brisbane our team is ready to assist you in finding financial success.

Personal Loan Time


Our dedicated support team will get to know you and provide personalised service.

Apply for a loan for Veterinary Expenses.

To apply for a loan to pay a Vet bill, you will need some basic details including your drivers licence details and bank details.

Let us answer your questions.

Can I apply for Pet and Veterinary Financing from Finance One if I have a bad credit history?

Yes! Finance One can consider applicants whose credit history includes defaults, previous bankruptcies or Part IX Debt Agreements.

Can I apply for a loan for Pet Care if I receive a pension or Centrelink benefits?

Yes! Finance One can consider applicants who receive any of the following:

  • Family Tax A & B
  • Parenting Payment
  • Carer Payment
  • Aged Pension
  • Disability Pension
  • Department of Veterans Affairs (DVA) Service Pension/Partner Service Pension
What could the interest rate be on my loan for Pet and Veterinary Expenses?

Our interest rates vary depending on your overall credit profile. This includes, but is not limited to, the stability of your employment and residency status, your credit history, your income and your banking conduct.

Can I make extra repayments, increase my repayments or pay my loan out early?

All Finance One customers can make extra repayments or increase their repayment amount at any time. Finance One customers with Personal Loans for Pet Care and Expenses can pay out their loan at any time without an early payout fee.

What documents do I need to provide when I apply?

The minimum documents we require for an application include:

  • Three months of bank statements (we will provide you with our secure link to bankstatements.com.au to provide your bank statements);
  • Proof of your income; and
  • Completed application form and privacy statement.