Frequently Asked Questions​

You can apply for finance in-store at any of our Agents, or by filling out the Online Application.

Our Interest rates start at 14.95% per annum and vary according to your credit score. Our loan default interest rate is 6% per annum above your contract interest rate.

There is a standard $65 Application fee and a Booking fee that varies. The Booking fees are dependent on the total amount being financed and are only payable by you if your application is approved and loan documents created. These range from $100 to $350 depending on the loan value. To know the exact cost please call us on toll-free 0508 738 765 and we can give you an obligation free quote.

Vetcare finance is available to process finance applications 24/7. However, there is an after-hours fee of $50 to cover the staffing cost to process your application.

All of our fees are worked in to your loan repayments and do not need to be paid up front.

The booking fee covers the management of your account over the full loan term, Including: 6 monthly regular statements, direct debt processing costs from your bank, answering account queries, assisting with budgets and working with you and your budget advisors if you fall in to hardship.

Smartcover Finance Limited is committed to being a responsible lending company and is a registered member of the Financial Service Provider Register, as well as the Financial Dispute Resolution Scheme. Please view our FAQs on our desktop site for more on Responsible Lending.

Yes, we can approve your application before you visit an Agent – so you know the costs will be covered beforehand.

Yes, we can assist you with any animal – big or small.

Yes, we can approve your application before you make an appointment – so you know the costs will be covered beforehand.

In most cases, yes. Providing your loan is up to date, we can add additional invoices to your loan. If you have an excellent payment history, we can even approve a ‘personal loan’ top up – direct to your bank account. Please call us during business hours to discuss your needs.

We provide financial assistance up to $5,000, however we can approve a higher amount if required – based on your credit worthiness.

Yes. We do not charge you for loss of interest, however, there will be a settlement /administration fee of $50.

If you payment history with us is excellent, you are already pre-approved for another loan. Please call us during business hours to discuss your needs and to find out if you qualify for another loan.

Yes, just call us during our business hours and we can email or post a statement out to you. Statements are sent by request only, as outlined in your Loan Agreement.

Call our office during our business hours and our team will be able to provide you with your current loan balance.

BNZ Account Name “Smartcover Finance Ltd ”, 02-1244-0107386-26. Please ensure you use your loan number as the reference when making a payment into our bank account.

Yes, call us during our business hours for a loan settlement figure and instructions on how you can make your final payment.

Yes, extra payments can be made into our bank account or with credit/debit card over the phone. Please call us during business hours to discuss the remainder of your payments once you have made a lump sum payment, as you may be able to reduce your ongoing instalment amount, and/or the term of your loan.

Both Visa and Mastercard payments are accepted. Call us during our business hours to make a payment using your credit/debit card.

In most cases, yes – just call us during our business hours to discuss your payment schedule.

If you want to cancel this contract you must give written notice to the creditor. You must also return to the creditor any advance and any other property received by you under the contract.

If the Disclosure documents are handed to you directly you must give notice that you intend to cancel within 3 working days after you receive the documents.

If the Disclosure documents are sent to you by electronic means (for example, email) you must give notice that you intend to cancel within 5 working days after the electronic communication is sent.
If the documents are mailed to you, you must give the notice within 7 working days after they were posted.

Saturdays, Sundays, and national public holidays are not counted as working days.

If you cancel the contract the creditor can charge you:

  1. The amount of any reasonable expenses the creditor had to pay in connection with the contract and its cancellation (including legal fees and fees for credit reports).
  2. Interest for the period from the day you received the advance until the day you repay the advance.

This statement only contains a summary of your rights and obligations in connection with the right to cancel. If there is anything about your rights or obligations under the Credit Contracts and Consumer Finance Act 2003 that you do not understand, if there is a dispute about your rights, or if you think that the creditor is being unreasonable in any way, you should seek legal advice immediately.

Yes, providing your loan is up to date, we can top up your loan for any additional care required at your vet – for any pet.

Yes. We can provide assistance to cover your vet costs immediately if you need to put in a claim for your insurance to pay out. Please contact us during business hours to discuss your needs.

Yes. We offer 24/7 application approvals for emergency vet care.

We will be happy to call your vet and offer our services to help you with your bill. Please call us during our business hours to give us your vet information.

Yes, The Credit Contracts and Consumer Finance Act 2003 gives you a right for a short time after the terms of this contract have been disclosed to you to cancel the contract.