Personal loans for kicking goals

Low rates starting from 5.99% p.a. (comparison rate from 6.70% p.a.*) with money in your bank account in as little as 60 minutes.

Won't impact your credit score!
Medical loan

Why our customers love us

Low rates that
beat the banks

MONEYME

from 6.70% p.a.

ANZ

from 8.18% p.a.

NAB

from 8.53% p.a.

Westpac

from 9.18% p.a.

CommBank

from 9.64% p.a.

Click here for important information on comparison rates. All rates are for variable rate loans, unless noted with an asterisk (*), which indicates a fixed rate loan. Comparison excludes short-term promotional rates. Last updated 31/03/25.

Won't impact your credit score!

A medical loan built around you

Great low rates

Great low rates

Low rates that beat the banks. Put more money back in your pocket.

Your loan, your timeline

Your loan, your timeline

Choose a loan term that fits your budget. No early repayment fees.

Get a quote in minutes

Get a quote in minutes

See your interest rate and repayments without impacting your credit score.

Same-day loans

Same-day loans

Fast approvals, instant transfers. Money in your account in as little as 60 minutes.

Medical loan calculator

Enter your loan details

Don't know your score? Check for free

Estimated monthly repayments

$0.00

Example variable interest rate

8.7% p.a.

Comparison rate*

10.08% p.a.

Total charges

$0.00

Total repayments

$0.00

It won't affect your credit score!

Award-winning lender

Award atf
ratings

Low rates, no surprising fees

Variable interest rate

5.99

%p.a.

up to

24.49

%p.a.

Comparison rate*

6.70

%p.a.

up to

25.87

%p.a.
Won't impact your credit score!
Check our rates

Establishment fee

$0 - $395

Loans up to $15,000

$0 - $495

Loans above $15,001


Loan term

3 to 7 years


Our fees

$10

Monthly fee

$0

Early exit fees

*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. Rates displayed are for customers with an excellent credit history, where a $0 establishment fee applies. For other borrowers, an establishment fee of $395 or $495 will apply, based on loan amount. A $10 monthly fee applies to all personal loans. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Get a quote for a medical loan in minutes

You can check your medical loan interest rate and repayments online with an obligation-free quote. It only takes a few minutes and there's no impact on your credit score.

1Check your rate and repayments

You can get a conditional loan offer in just minutes without impacting your credit score!

2Submit your application

Review your loan offer, accept it, and you'll get an outcome typically within 60 minutes.

3Same-day funding

Once approved, we'll transfer the money to your bank account immediately, even on weekends.

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Must be Australian citizen, New
Zealand citizen or permanent resident

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Earn more than $30,000 p.a. from employment

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Must at least be 18 years old

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Bank-grade security

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‘Read only' access to accounts

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256-bit data encryption

Won't impact your credit score!
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A different kind of lender

Quick quotes, fast approvals

Quick quotes, fast approvals

We cut out unnecessary paperwork and delays with lending that's fast, simple, and built around you.

Transparent and flexible

Transparent and flexible

No lock in contracts, hidden fees or surprises - just flexible options that keep you in control.

Real support, real fast

Real support, real fast

Speak to a real person if you have questions, we usually answer calls in seconds.

For people and the planet

For people and the planet

We care about our social and environmental impact, and we're proudly B Corp Certified.

Won't impact your credit score!

3 Compelling Reasons To Get Loans For Pet Surgery

If your furry friend is facing health troubles, you might ask, ‘Can you get a loan for surgery if it’s for your pet’? Loans for pet surgery could be an option for some pet owners, especially when a surgical intervention could improve your pet’s quality of life. Here are a few reasons to consider veterinary care loans if you’re on a tight budget but don’t want to compromise on your pet’s health.

#1. They may provide quicker financial relief for pet-related expenses compared to traditional options.

Where pet surgery payment plans might come in handy Pet surgery loans can be helpful during unexpected scenarios where pet owners need to take action but may need more funds for an upfront payment. For example, your dog may have a dental issue requiring surgery before infection. Your cat may need a foreign object removed from its body or have an obstruction in its bladder or urethra.

Loans for pet surgery could also provide a pathway for elective pet care, such as tumour or cyst removal that isn’t immediately life-threatening, orthopedic surgeries, or preventative surgeries. Traditional funding methods might not offer the quick response you may prefer for these health concerns.

Enhanced budget management

Opting to apply for loans for pet surgery can be a strategic decision that helps you keep your pet healthy without jeopardising your financial health. Pet medical loans allow longer repayment periods than a one-time, upfront payment. Loans for vet bills help to spread out the cost so pet owners can stay within budget month-per-month.

By avoiding the need to deplete savings or emergency funds, pet owners who avail themselves of pet medical loans could maintain financial liquidity for other aspects of life and unexpected needs. All in all, this option could help individuals maintain responsible pet ownership and financial management.

#2. They help you maintain or improve your pet’s health.

Access to loans for pet surgery allows for prompt treatment, which is often crucial in emergencies. Animal surgery loans could spell the difference between recovery and prolonged suffering for your pet. These loans are designed to cover costs swiftly, ensuring that financial constraints don’t delay the critical care your pet’s needs.

Plus, with the help of emergency pet loans, pet owners could have the funds they need for other aspects of their pet’s surgery, such as post-operative care. After all, ensuring your pet gets the necessary follow-up treatments and medications is just as crucial as the initial surgery.

Finally, veterinary loans could help eligible borrowers stay on top of their pets’ long-term well-being. By removing financial barriers to treatments, pet surgery loans could not only ensure immediate care but also contribute to the ongoing health and well-being of your pet, allowing them to lead a happier, healthier life.

#3. They alleviate stress for pet owners.

For most, if not all, pet owners, pets are beloved members of the family. Thus, whenever a pet faces health issues, it can cause an enormous amount of worry and stress. Loans for pet surgery could significantly reduce the emotional and financial stress experienced during a pet’s medical crisis.

Loans for medical bills allow pet owners to concentrate on the most crucial aspect – the recovery and health of their beloved animal companions. Stress-free environments contribute to faster and more effective recoveries for pets.

Plus, without the looming worry of financial strain, owners could be more present and attentive to their pets’ needs, and decisions could be made in the best interest of pet health rather than based on financial constraints.

Finally, loans for pet surgery could help pets live longer lives, potentially paving the way for pet owners to enjoy more precious moments with their pets.

Frequently Asked Questions (FAQs)

What are the benefits of getting a loan for my pet’s surgery?

As mentioned, loans for pet surgery could help reduce financial stress, provide access to immediate care, and ensure more time to bond with your pet. However, some providers could complicate this process, adding more frustration to an already challenging situation.

Securing surgery loans Australia-wide through MONEYME could transform an otherwise stressful situation into a manageable one for eligible borrowers. We offer personal loans that borrowers can flexibly use for emergency pet surgery and other pet care-related expenses.

What factors determine the approval of a pet surgery loan application?

Eligibility for loans can vary depending on the lender you prefer. Wondering whether you’re eligible for a personal loan for surgery purposes from MONEYME? We have kept our minimum requirements straightforward. To be eligible for one of our personal loans, you must be:

  • an Australian citizen, New Zealand citizen, or permanent resident;
  • over 18 and are currently employed; and
  • have an annual income of at least AUD$30,000 to ensure affordability of repayments.

Along with the above criteria, we consider a range of factors like income, expenses and credit score when we assess applications.

How do I compare different loan options for my pet’s surgery?

When choosing between providers for pet care loans, it’s important to consider interest rates, loan terms, and monthly payment costs. You also want to see if approval requirements are simple and straightforward; nobody wants to line up for hours and prepare tonnes of paperwork, after all.

Additionally, consider lenders who provide efficient and transparent services with no hidden costs. It’s also important to ensure you get access to supportive customer care that guides you through the loan process and any issues you might encounter over the term of your loan.

At MONEYME, we’re committed to helping you achieve your financial goals with a simple application and approval process, competitive interest rates, and flexible repayment terms. You don't have to worry about preparing a lot of documentation, either. We’ll simply review your last three months of bank statements by asking for secure view-only access to your account (using bank-grade security), so you won’t need to worry about downloading and uploading your statements.

Finally, our friendly customer service team is always available to assist you with your concerns.

Personal Loans Made Easier at MONEYME

At MONEYME, we redefine the financial landscape with our commitment to innovation, efficiency, and empowerment.

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Trusted by over 110,000 Aussies

4.6 review rating
Won't impact your credit score!

Purpose-driven
and responsible

At MONEYME, we're not just here to provide low rate loans - we're here to make a difference. We believe in providing smart, responsible lending that keeps you financially on track, whilst doing good for the planet.

As a Certified B CorporationTM we're big on sustainability. We hold ourselves accountable to the high standards of the B Corp movement, supporting renewable energy projects, doing our part for the community, and striving towards a greener future.

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*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. Rates displayed are for customers with an excellent credit history, where a $0 establishment fee applies. For other borrowers, an establishment fee of $395 or $495 will apply, based on loan amount. A $10 monthly fee applies to all personal loans. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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Copyright 2025 l MoneyMe Financial Group Pty Ltd l ABN 40 163 691 236 l Australian credit licence number 442218 | Credit criteria, fees, charges, terms and conditions apply.