Need financing for a puppy? Let us help you get a loan offer that you can use to shop any breeder as a cash buyer. How much do you expect to need?

A french bulldog puppy plays with a ball.

Financing For Puppies

At PuppyLending.Com, we can help you get a loan for your new puppy. It doesn’t matter if you have perfect credit, bad credit or no credit, we may be able to help.

Getting that offer is incredibly simple, there is no obligation and the form is secure. Here is how you can get your offer for pet financing.

1) Fill Out Your Pet Loan Form

Click on the link at the top of the page to go to the 2 minute pet loan form. It only asks for minimal information, this i s not a mortgage you are applying for. Just enter in some basic information about yourself, your income and how much money that you expect to need.

Be sure to include enough for the pet that you desire and, if you like, include money for first year expenses. You will also be asked to enter bank information, because this is how your lender would pay you if you accept a dog loan, with cash. That allows you to shop at any breeder that you like.

2) Submit Your Pet Loan Quote Form

Once you have completed the form, read the terms of service and hit submit. Then, you just need to wait a few moments for your loan offer.

If approved for puppy financing, you will then be directed to the website of the lender that is making you an offer. At their website, you will be given all of the details of the offer so that you can make a smart decision.

Be sure to read all of the loan details before continuing.

3) Make Your Pet Financing Decision

Last, but certainly not least, it is time to decide on whether or not to accept your offer. Review the loan offer and make sure that it is a good deal for you. This is of particular importance if you are looking for financing with bad credit as the terms could be not in your favor.

If you decided to accept the offer, your lender will work to get you the money as soon as possible. They will deposit money directly into your account which makes you a cash buyer. That will allow you to shop at any puppy breeder just like any other cash buyer. This is important since most breeders do not like to deal with financing.

Why A Puppy Payment Plan?

A puppy that was financed.

Simple, it is because a pure bred puppy is expensive. Many dogs such as a French Bulldog, can cost in excess of 5000 dollars. Sure, you can adopt a pet at a shelter for cheap, and that is a good thing, but sometimes you want a pure bred puppy. If you are really in love with a breed, you are only going to get the full experience with a well bred, pure breed puppy and that is pricey.

Most of the popular breeds can go for anywhere from 1000 to 3000 dollars for a puppy. In addition, you have first year expenses that can easily add up to another 1000 dollars. That is what makes a pet loan so great.

You can get a loan that will cover not only the purchase price of your puppy, but also the first year expenses. Get money to cover vet expenses, vaccinations and even bedding and toys. If you accept a loan from one of our lenders, they will pay you in cash, so you can do with the money as you please.

Take a look at just some of the benefits of getting pet financing online and then buying from a local breeder near you.

  • Easy Approval
    Even if you have bad credit, you may be able to qualify for financing online. We have many lenders in the system that are used to working with less than perfect credit.
  • Cash Payout
    If approved and if you accept a loan, your lender will pay you in cash. That allows you to shop for your puppy like any other cash buyer. Choose any breeder that you want.
  • Pay First Year Costs
    Since your lender will pay you in cash, you can use the money to pay for all other expenses related to your new puppy. Have a stress free first year knowing that all costs are covered.
  • Convenience
    You can do everything online from the convenience of your home. If approved, your lender will send money straight to your account. You can then find a breeder near you and pay with cash.
  • Avoid The Pet Shop
    Getting puppy financing online allows you to completely avoid store financing that you would have to use at a pet shop. This allows you to avoid the questionable ethics of puppy mills and shop with a real breeder.
  • Shop Any Breeder
    Most breeders do not like working with finance companies. Our lenders pay you in cash so you can shop at any breeder that you like.

Why Choose Professional Breeders

One of the biggest benefits of getting a cash loan is that you can shop a professional breeder instead of a pet shop. Here are some reasons why you want to pick a professional breeder.

A french bulldog from a loan sits in a car.


A professional breeder has the integrity to be interested in the puppy over the dollar. What that means for you is that they breed their puppies professionally and care for them properly. Avoid the pet shops and their puppy mill, unethically raised animals.


A professional breeder is committed to the breed and can educate you how to properly care for your puppy. Most will even have first rights of refusal for your puppy. This means that if you can no longer care for your puppy, they will take them back.


Legitimate breeders will offer a health guarantee of up to a year. If anything happens to your puppy, they will back them. They can do this because they know that their puppies are raised properly and taken care of well from birth.

What Kind Of Puppy Can You Finance?

You can finance any kind of puppy that you like but people generally look to finance those costing over 800 dollars. This means that you will probably not be using puppy financing for a mixed breed from the pound. Take a look at some of the most commonly financed breeds.

As you can see, the list is quite extensive. This is because pretty much every pure bred dog these days costs over 1000 dollars. Not everyone has that kind of money to put down on a pet which is why puppy financing is such a great way to keep good pets in reach of more people. It does not stop there though, you can also use your loan for vet financing, to handle your spay/neuter or for emergencies that come up.