Veterinary Financing solutions in
New Zealand

Loans up to 15K

Swift approval for emergency veterinary care

No deposit with up to 36 month terms

Available throughout New Zealand

Low application and booking fees

Vetcare Finance

Need Help to Pay Vet Bills?

At VetCare Finance, we know how stressful it can be when your pet needs veterinary care you just can’t afford.

If you don’t have pet insurance, vet bills can be costly – whether they’re for emergency health care, or important procedures you can’t put off any longer.

Thankfully, we offer a simple solution. VetCare Finance provides fast loans and flexible repayment options, so your furry friend can get the health care they need. Here are just a few more benefits we can offer:

How it works?

Need pet care, but can’t afford the vet bills? With a loan from VetCare Finance, your pet can receive urgent and regular veterinary care. With our fast, simple application process, we’ll ensure your loan is approved in no time so you can go back to looking after your pet.

Step 1

Apply Online

Online application takes around 5 minutes to complete.

Step 2

Decision Outcome

We will contact you to inform you of the outcome as fast as possible

Step 3

Receive Funds

VetCare Finance we will pay the balance of your invoice directly to your vet.

Need financial assistance
for your vet bills?

VetCare Finance can approve loans of up to $15,000. And thanks to our simple application process, we keep everything quick and easy so you can get back to focusing on your pet!

Joining as a partner

Vetcare Finance - working with businesses throughout New Zealand

We partner with a wide range of businesses around the country providing finance to customers for their goods and services. There’s no cost to sign up with us just fill out our Business Partner registration form and you can become a Smartcover Finance Partner. By working with us, you can provide an easy financing solution at your business. Don’t lose out on those important sales opportunities due to funding issues.

What Our Customers
Have to Say

“The team always go the extra mile  to find the most affordable solution for our customers”

Kate,Clinic CSR Manager
Clinic CSR Manager ,Hamilton

“Thank you so much to the team for helping me with all my cats”

Annabel, Auckland

“Just want to say how absolutely awesome the staff at Vet care finance  have been.. being able to pay them back at an amount I could afford, was such a relief”

Sarah, Wellsford

Frequently Asked Questions

Yes, we can approve your loan application before you get help at the vets. Before you even book in to see them. This will help take the stress out of thinking where your are going to find the money once you know that the final costs are.

Our Interest rates start at 14.95% per annum and vary according to your credit score.

There is a standard $200.00 Establishment  fee for all new loans. For loans the require a vehicle for security an additional $30.00 PPRS fee that will be added to your loan. To know the exact cost please call us on toll-free 0508 738 765 and we can give you an obligation free quote..

In most cases, yes. Providing your loan is up to date, we can Top Up your account.

Absolutely yes, Smartcover Finance Limited is committed to being a responsible lending company and is a registered member of the Financial Service Provider Register, as well as the Financial Dispute Resolution Scheme. We pride ourselves on our responsible guideline as it keeps our customers safe.

Yes we do offer 6 months interest free for loans between $500 – $5000.

*This is subject to your credit score