How it Works

3 Step Process

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a Vet Clinic

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To get Pre-Approved

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Apply for a low interest loan

Need pet care, but can't afford the vet bills? With a loan from VetCare Finance, your pet can receive urgent 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! Here's how it works:

3 Steps


Vetcare Finance

Just fill out our straightforward application form. We'll run a credit check, to make sure you can meet our lending criteria.

We will contact you to inform you of the outcome as fast as possible so your pet can receive veterinary treatment. A Loan Agreement will be created based on your invoice, and sent through to the vet for you to sign.

Once your agreement is signed, you can take your pet home and VetCare Finance we will pay the balance of your invoice directly to your vet. You repay VetCare Finance at your chosen repayment rate. Our flexible payments start at just $7a week for up to 24 months.


Our loans are available with no deposit and up to 24 months to pay, at affordable interest rates of just 19%. Should you require further financial assistance, we can top up your existing loan without you needing to complete a second application.

24/7 preapproval for emergency veterinary care

As a branch of Smart Cover Finance, VetCare Finance has partnered with vets around New Zealand to provide fast financing options. Should your pet need emergency care, our 24/7 application team will ensure you receive immediate credit preapproval. Whether it's day or night, you don't need to panic over how you'll cover your pet's urgent vet bills just give VetCare Finance a call!

Apply for a loan from VetCare Finance

If you have any further questions about how you can receive a loan from VetCare Finance, please don't hesitate to contact us or simply apply now.