Our furry little friends sometimes find themselves in strife, and we get stuck with an unexpected bill for the vet. If this is the case, then Alternate Finance will happily come to the rescue with pet finance, allowing you to spread the payment out across a timeframe that makes life more manageable for you.
You can use our pet finance to purchase new pets, for visits to the vet, for dog houses, or you can even pet accommodation while you travel.
The pet finance application process is simple. It just requires eight minutes of your time, and approvals are usually through within 24 working hours subject to credit checks and in accordance with the responsible lending code of New Zealand.
Start by using our loan calculator to figure out your repayments and once you’re satisfied, hit the apply now button, or request a callback and we can walk you through the process.
APPLY IN UNDER 8 MINUTES
Like us to call you back ?
Pet Finance Calculator
Choose your term
Repayment Details
1 YEAR
Your Weekly Repayment
$22.60 PER WEEK* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
Rates
Get your pet finance loan from Alternate Finance, and have the luxury of up to 36 months to make your loan repayments unless arranged otherwise. You’ll be emailed an annual interest rate within the range 9.95% to 26.98% p.a.
Our personal loan default interest rates and further details can be viewed here.
Terms
If you’re thinking about a pet finance loan from Alternate Finance, it’s important to understand our terms and rates in detail. When you apply for your pet finance loan, you’re giving Alternate Finance the permission to store your confidential information. Alternate Finance uses best-practices to store your information on this website accurate and current, regarding pet finance loans. If brought to our attention, we’ll remedy any inaccuracies, provided you communicate in writing. These will be rectified as fast as reasonable. Read more about the terms of pet finance by following this link.
Security
Your details are data protected when applying for a loan, as we have end-to-end encryption on all of our webforms. All loan information you provide will be treated confidentially and you can have confidence that your loan application will remain secure.
Did You Know?
Price Of Dogs
According to www.newzealandnow.govt.nz owning a dog costs around $1650 per year. If a dog lives for 15 years, that's around $25,000 + vet bills. Our fur-buddies can also give us surprise expenses too so if you need help with a pet loan at any time, Alternate Finance can gladly help.
Pet Insurance NZ, Worth It?
Is pet insurance worth it? It depends on the animal; If they're a little crazy, sktizy and can't be trusted around roads, then perhaps it is worth it. However, companies offering pet insurance are profiting, meaning that they charge more than the average payout figures. Most people don't claim the value they pay in premiums. It would be smarter to put that money aside each week, and if they get stuck with an emergency bill, to ask us for a pet loan.
Cost Of Vet Fees NZ
Vet bills are common in the first year of a young pups life, and Alternate Finance is often asked to help with urgent pet loans to people in their first year of owning an animal. Factor getting them spayed + routine shots & checkups. Your first year of ownership could easily cost $3000, including food, pet beds, toys, etc. If there's an emergency, a broken leg could cost up to $3500 depending on the surgery required by the vet.
Pet Finance & Vetcare Finance
Apply for a pet loan and it will only take you around 8 minutes using our online loan application form. You'll don't need to tell us any of your pet's details for the loan application, but you do need your ID, and some form of security. If it's an emergency and you need a pet loan quickly, then apply online, and then call us as soon as possible during normal working hours to notify us of the urgency.
Customers love the experience
Frequently Asked Questions
What type of pet expenses can be covered with financing?
Financing expenses for pets can cover a wide range of expenses, including veterinary bills, pet insurance, pet food and supplies, grooming services, and even pet daycare or boarding fees.
Are there any risks associated with financing for my pets?
What does a typical vet surgery cost in New Zealand?
Does taking a loan affect your credit score?