Bargain Hunter: CarefreeCredit's cheap loan will get your pet to the vet

Pet insurance is expensive, especially as animals get older. But a new loan company aims to help those with no cover – and who then can't afford expensive emergency treatment.

CarefreeCredit offers loans from ?250 for use against any veterinary bills. Crucially, the charge is 0 per cent over 12 months, meaning expensive interest rates don't add to the bill. However, if you take a loan over 24 months, the charge is 9.9 per cent. How are the loans free? Vets pay. They're charged ?10 a month to enrol with the lender, plus a small amount of each loan made. Find out more at Carefreecredit.co.uk or call 0845 313 0177 to find the nearest vet offering the service.

Cashback on your groceries

You could get ?40 off the cost of ?100 worth of groceries at Waitrose supermarkets through TopCashback.

How? Use the site's voucher code AQ1D30 to get ?30 off ?100 while qualifying for a ?10.50 cashback by clicking through Topcashback.co.uk.

Cut-price city breaks

Fancy a cut-price family trip during half-term? Premier Inn has offers for UK city-break destinations until Sunday 21 February. For instance there are rooms for a family of four at Edinburgh City Centre, Haymarket, for just ?59 next Tuesday. Full details at Premierinn.com.

Forget the phone upgrade

Do you really need another mobile upgrade? Turn down your phone company's next offer, keep your existing phone and switch to a SIM-only deal. Do so and you'll save a packet every month.

For instance, EE this week announced new 4GEE and 4GEE Extra SIM-only mobile plans starting at just ?9.99 a month for unlimited texts, 250MB of data and 250 minutes of talk time.