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.
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Pet Finance Calculator
Rates
Consolidate debts with Alternate Finance, and you’ll receive up to 36 months to make affordable loan repayments. When consolidating debt, we’ll give you a low interest rate in comparison to what you’re paying currently, and we’ll roll all debt into one simple payment. The low interest rate ranges from 13.95% to 26.98% p.a.
For more details, including early repayment conditions, our loan terms and conditions, establishment fees and default interest rates, please view our rates and fees webpage by clicking here.
Terms
If you’re looking at consolidating debt with us at Alternate Finance, it’s important to get an understanding of our terms and conditions. When you apply for loans designed for consolidating debts, you’re agreeing to Alternate Finance having permission to store and collect your information. Alternate Finance will endeavour to keep all information on this website accurate and up to date, in regards to debt consolidation but if you spot any inaccuracies, please let us know in writing and we’ll rectify it within a reasonable timeframe. For further detailed information about consolidating debts, please follow this link. Alternate acts in accordance with the responsible lending code of New Zealand.
Security
Your personal information is protected with end-to-end encryption on all web forms, ensuring that your data remains secure throughout the application process. Alternate Finance treats all loan information confidentially, following strict security protocols to safeguard your details from unauthorized access.
Additionally, Alternate Finance complies with New Zealand’s privacy laws and regulations, giving you full transparency on how your data is used. Their commitment to privacy means your information is never shared with third parties without your consent.
For a full breakdown of our data protection policies, you can review our Privacy Policy, which outlines how your personal details are stored, processed, and used securely.
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.
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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?