What is a pet loan?
A pet loan is a personal loan used to cover the cost of veterinary treatment, whether that's an emergency visit at midnight, a planned surgery, or ongoing care for a chronic condition.
For most of us, our pets aren't just animals. They're companions and beloved members of our family. When they're unwell, worrying about how to pay for their care on top of everything else is the last thing you need.
Vet bills can be significant, and pet insurance doesn't always cover everything. A pet loan could cover the shortfall so cost is never the reason you delay treatment.
At Armstrong's Finance, we're a registered financial advice provider, not a bank. That means we compare rates and terms across our lender panel to find the most suitable option for your situation, giving you more choice and a better chance of finding pet finance that works for you.
What can you use a pet loan for?
From cats and dogs, to horses and rabbits, if your pet needs care we could help make it happen. A pet loan sits alongside our other loan options, so you can compare what suits your situation.
Routine care or emergency treatment, a pet loan can help cover:
Why choose Armstrong's Finance for your pet loan?
Flexible loan options
Our pet loans are available as both secured and unsecured, so we can find the right fit for your situation. We'll walk you through the options before you commit.
Borrow what you need
Choose a loan amount and repayment term that suits your budget.
Transparent pricing
No hidden fees, no nasty surprises. Everything is laid out upfront.
Fast approval
Apply online in minutes. If approved, funds can be in your account the same day. Subject to responsible lending criteria and lender assessment.
Simple by design
How it works
Getting a pet loan through Armstrong's Finance is straightforward.
Here's how it goes:
*All decisions are subject to responsible lending inquiries. Lender eligibility criteria, fees, terms and conditions apply.
Get a quick quote
Use our online quote tool to check your personalised rate and repayment options in minutes. You can also try our personal loan calculator to plan your repayments. It's obligation-free and won't affect your credit score.
Submit your application
Once you're happy with your quote, complete your application online. We'll ask for a few supporting documents, things like proof of income and ID. Our team will keep it as straightforward as possible.
We go to work for you
As your broker, we submit your application across our lender panel to find the most suitable match for your situation. Subject to responsible lending criteria and lender assessment, funds can be in your account the same day if approved.
Focus on your pet's recovery
With funds in place, you're free to confirm the treatment with your vet and focus on getting your pet back to full health.
Am I eligible?
Armstrong's Finance pet loans are available to a wide range of New Zealanders. We assess every application individually, so even if you've been turned down elsewhere, it's worth talking to us.
*All decisions are subject to responsible lending inquiries. Lender eligibility criteria, fees, terms and conditions apply.
To be eligible for a pet loan, you'll need to:
Frequently asked questions
Pet Loans
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Pet Loans
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Can I get a loan for pet surgery?
Yes. You can use a personal loan to cover the cost of pet surgery, whether it's an emergency, a routine operation, or a specialised treatment. The funds are flexible, so you can pay for the procedure and any related medical expenses.
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Can I use the loan for non-surgical pet care?
Yes. You can use your loan for a range of pet care expenses, including vet visits, vaccinations, medications, or treatments. As long as it's for your pet's health, we've got you covered.
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Can I get a pet loan for an emergency vet bill?
Absolutely. Covering an emergency vet bill is one of the main reasons people use a pet loan. We know unexpected vet visits can happen at any time, and you may need funds fast. If your application is approved and meets our lending criteria, we aim to have the money in your account the same day so you can get your pet the care they need right away.
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Does it matter what type of pet I have?
Not at all. Whether you're covering treatment for a dog, cat, horse, rabbit, bird, or any other animal, a pet loan works the same way. It's a personal loan paid directly to you, how you use it with your vet is entirely up to you.
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Can I use a pet loan if I already have pet insurance?
Absolutely. You can use a pet loan even if you already have pet insurance. If your insurance doesn't cover everything, there's an excess to pay, or your claim is taking a while, a pet loan can help cover the difference so your pet gets the care they need, when they need it.
Ready when you are
Apply in minutes. Know your options today.
All decisions are subject to responsible lending inquiries. Lender eligibility criteria, fees, terms and conditions apply.
All decisions are subject to responsible lending inquiries. Lender eligibility criteria, fees, terms and conditions apply.
Loan Information
Armstrongs Finance Limited (FSP1012153) is registered on the Financial Service Providers Register (FSPR) and holds a Class 2 Financial Advice Provider licence and is authorised to provide regulated financial advice services in accordance with the Financial Markets Conduct Act 2013. Armstrongs Finance Limited acts as a finance broker and does not directly provide credit. All lending is provided by third-party lenders on our lender panel.
Remuneration: Armstrongs Finance Limited is remunerated by way of commission paid by lenders. The amount of commission varies between lenders and products. Armstrongs Finance Limited may receive different commission rates from different lenders. We manage this conflict through our policies, procedures and training which are designed to ensure we recommend products based on your individual needs and circumstances rather than the level of commission received. Further details are set out in our Disclosure Statement, which is available on our website and on request free of charge.
Lending criteria apply. All applications are subject to credit assessment, responsible lending inquiries, and individual lender eligibility criteria in accordance with the Credit Contracts and Consumer Finance Act 2003 (CCCFA) and the Responsible Lending Code (revised July 2024). Interest rates range from 7.95% p.a. to 29.95% p.a. on loan terms of 12 months to 7 years. Rates are fixed unless otherwise stated, are subject to change, and are based on individual credit assessment. Establishment fees vary between $0.00 and $2,500 depending on the type of loan arrangement, and are included in your loan structure and repayments.
Representative example: A loan of $20,000 over 5 years at an interest rate of 12.95% p.a. results in 60 monthly repayments of approximately $455, with a total amount repayable of $27,300 (excluding establishment fee). This is an indicative example only. Your actual rate, repayments, and fees will depend on your individual circumstances and lender assessment.
Dispute resolution: If you have a complaint that we are unable to resolve, you may refer it to Financial Services Complaints Ltd (FSCL), our approved dispute resolution scheme. This service is free of charge. Contact details are available in our Disclosure Statement and on our Complaints page.
Financial hardship: If you are experiencing financial hardship, you may be entitled to apply for a hardship variation under the CCCFA. Please contact us as soon as possible. See our Financial Hardship page for more information.
Your personal information is collected and held in accordance with the Privacy Act 2020. Please refer to our Privacy Policy for details of how we collect, use, and store your information.