You must be:
- 18 years or more
- An Australian citizen or Permanent Resident
- Earning more than $25,000 before tax each year
- Not unemployed
- Have a current Driver Licence, Green Medicare card, or Australian passport
- Not bankrupt or in a debt agreement
The amount you can borrow for vet treatment is any amount from $2,001 to $10,000. The maximum you can borrow if you are aged 18-21 years is $5,000. Subject to suitability and your requirements and objectives.
To make it quick and easy you can only apply online. This will take between 5 and 10 minutes.
- Click here to apply.
The interest rate used is 21.95% p.a. (comparison rate*: 24.21% p.a.) and is subject to change.
* The comparison rate is based on a $30,000 unsecured loan for a four year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Terms, conditions, fees and charges apply.
Loan approval fee | $140 one off – loan amounts under $3,000 |
$295 one off – loan amounts from $3,000 to $4,999 | |
$395 one off – loan amounts from $5,000 to $9,999 |
This amount is added to your loan amount so that you do not have to pay this upfront.
Administration fee | $14.50 per month |
Dishonour fee | $38 per dishonour |
Disbursement fee | Nil |
Early Repayment fee | Nil |
Direct Debit fee | Nil |
Once you have submitted your application we will get back to you with a decision within 60 minutes. Subject to having all the required information and during NSW normal business hours. If conditionally approved we will still need to verify your income by requesting a copy of 90 days of your most recent bank statements. This is all done online within seconds with our trusted partner bankstatements.com.au.
Final approval is subject to MediPay’s lending criteria and supplying satisfactory supporting documents.
Once you have been approved you have 90 days to tell us who to pay.
You can request a payment to be made at any time by logging into your account. Click on the link below for detailed instructions:
Payment requests are processed the same day if received before 12pm.
Download and complete the Direct Debit Request Form here ensuring you insert your loan account number and provide your correct BSB and bank account number.
If it is a joint bank account please ensure it is signed by all account holders. Once complete scan (or take a photo with your smartphone) and email the signed Form to us at customercare@medipay.com.au
Please allow a minimum of 5 days for us to process the change. We will email you to confirm the change has been made.
How It works
Step 1
10 second instant check
Check if you’re eligible by answering a few questions. You’ll get an instant result.
Step 2
Easy Online Application
If you’re eligible, you can complete our online application in under 5 minutes.
Step 3
Decisions in less than 60 minutes^
We’ll email you in less than 60 minutes with a decision. We’ll even pay your vet directly so you don’t have to worry.
You can find out if you're eligible right now by answering five easy questions.
SEE IF YOU’RE ELIGIBLE