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Straight to the source.
No middlemen, no running around. You deal directly with us from application through to repayment.
When they can’t tell you it can wait…
Vet Loans
for the family member with pawsPets do not understand payday. A CashnGo vet loan of up to $5,000 can help cover a consult, scan or surgery, with the cost laid out before you agree — so you can focus on getting them home.
Choose your loan amount
$300
Choose your repayment term
$16.62/week
$33.23/fortnight
4.8/5 8,873 Reviews
4.9/5 6,960 ReviewsThis calculator provides indicative interest rate and repayment estimates across CashnGo's lending products for general guidance only. It does not constitute an offer of credit. Actual loan terms, rates, and fees may vary based on your circumstances, our credit assessment, and responsible lending obligations.
- Quick, not rushed Apply online in about five minutes. Most people receive an outcome in seconds; some applications need a closer look.
- A licensed direct lender You deal with CashnGo from application to final repayment — no broker or lead-selling middleman.
- Know the cost first Your fees, repayment schedule and total are shown before you decide whether to sign.
Vet Loans
Care for them, without the bill taking over
A vet loan is a personal loan used for veterinary care: the consult, diagnostics, surgery, medication or a specialist visit. CashnGo pays you, so you settle the clinic yourself and keep the treatment decisions with the vet you already trust.
Ask the clinic about a payment plan or whether pet insurance will rebate part of the invoice. If you still have a gap, Small Loans cover $300 to $2,000 and Medium Loans cover $2,100 to $5,000.
The quote can wait five minutes. They cannot.
Get the treatment plan from the clinic, then use the calculator for a repayment that still leaves room for rent and groceries. Apply from the waiting room if you need to — the form is on your phone.
What is a vet loan?
A vet loan is not a clinic finance product. It is an unsecured personal loan you can use for pet care. Some vets offer in-house plans or third-party medical finance. Those can be simpler if the clinic already has them. A CashnGo loan is useful when you want the funds in your account, or the clinic needs payment today.
We assess every application against your current income and expenses. Loving your pet is not a shortcut around that check, and approval is never guaranteed.
Treat the pet, then treat the budget kindly
Borrow the quoted amount, not a cushion “in case”. If after-care or a second procedure is likely, wait for that quote rather than guessing. You can apply again later if you have finished the first loan and the repayments still fit.
If the bill is part of a wider money squeeze, call the National Debt Helpline on 1800 007 007. Some clinics will also discuss staged treatment when cost is the blocker.
Applying for Vet Loans
From the consult to a repayment you can live with
Use the clinic quote, choose that amount, apply online and read every repayment date before you sign.
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Quick & easy application
Apply online in around five minutes. We’ve kept the questions simple and the unnecessary paperwork out of the way.
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Safe & secure
Your information is handled securely and confidentially, so you can apply with confidence from wherever you are.
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A quick decision
Our smart technology assesses your application quickly, so you can get an outcome in seconds where possible.
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Fast funds
Once approved, we’ll transfer your funds within seconds. Depending on your bank, it may take a little longer to arrive.
Vet Loans rates, fees and features
Compare our Small Loan and Medium Loan side by side. The amount, term and full cost offered to you will be shown before you sign.
Small Loans $300 – $2,000 Fee-based, so there is no interest and no APR
Loan term
62 to 180 days, which is roughly 3 to 6 months
Establishment fee
20% of the amount you borrow
Monthly fee
4% of the amount you borrow, every month
Interest rate (APR)*
Does not apply. These loans are fee-based only, so the APR is not applicable
Maximum comparison rate**
Does not apply
What that looks like
Borrow $1,000 over 3 months and you repay $1,320 — your $1,000 back, a $200 establishment fee and $120 in monthly fees
Usually used for
Car repairs, a vet bill, a rent gap or a bill that landed before payday
Medium Loans $2,100 – $5,000 One establishment fee plus a capped interest rate
Loan term
3 to 12 months
Establishment fee
$400, charged once
Monthly fee
None. Interest applies instead
Interest rate (APR)*
Up to 48% p.a.
Maximum comparison rate**
65.6597% p.a.
What that looks like
Borrow $3,000 over 12 months and you repay $4,289 in total, including the $400 establishment fee
Usually used for
Larger one-offs like a used car, a house move or dental work
We're with you
Real help for every member of the family
Clear costs and a team you can call make one less thing to worry about when your pet needs care. CashnGo has received five ProductReview.com.au awards in six years.
How It WorksWe could brag. But our customers do it better
See Reviews and FeedbackVet Loans questions, answered
How vet loans work, what they cover, and what to ask the clinic first.
A vet loan is a personal loan used to pay veterinary bills. CashnGo offers up to $5,000 as an unsecured Small or Medium Loan, paid to your bank account after you accept an approved contract.
Consults, blood tests, imaging, surgery, medication, specialist care and after-care are all common uses. The loan is for your pet’s care, not for buying a new animal.
Yes. Many clinics can split an invoice or work with pet insurance. Compare that option with a CashnGo quote. Choose the one that is cheaper and still gets treatment started.
Yes. The application is online and takes about five minutes on your phone. Have your internet banking login handy for the secure read-only bank connection.
No. Approved funds go to your nominated account. You pay the clinic, which keeps the treatment agreement between you and the vet.
You can apply. We run a credit check and also look at your current income, spending and ability to repay. A past issue is not an automatic yes or no.