Looking to finance a puppy? With the high prices of pure bred animals, you are not alone. Luckily, we can help you get an offer in just a few minutes. With a couple minutes of your time and just some basic information, you can have your financing offer. Ready to get started?
Online Financing For Puppies
It might seem odd to some to get a loan for a puppy online, but you do everything else online, so why not. Going the online route has a number of advantages over going through a pet shop.
This is especially important if you have bad credit but even if you have good credit, it could be easier to secure financing online.
For starters, you get to do everything online instead of in a store. We all know that everything is easier online and credit is no exception. Do in a matter of minutes what it might take an hour or two to do in person.
In addition, if you do have bad credit, getting a loan online for that English Bulldog will probably be far easier. This is because at PuppyLending.Com, we are not direct lenders. Even better, we give you access to a large network of online lenders. More lenders equals more chances of getting an approval if you have less than perfect credit.
If you get a loan from a pet store, you need to buy from that pet store. This makes it hard to get an English Bulldog. You have to hope that they have one “in stock” which is tough since they tend to like to push designer dogs, mixed breed dogs that they pass off for a fortune.
When you get a loan offer from one of our lenders, you can become a cash buyer. This allows you to shop anywhere, preferably from a legitimate breeder. You can get just the puppy that you want and probably get it for much less money.
It is no secret that pet shops go to puppy mills for their inventory. A legitimate breeder would never sell to a pet store. Instead, they turn to the mills who churn out just as many puppies as they can. There is little regard to breeding out defects and little attention paid to the animals. All they know is being pulled away from their mothers at an early age and cages. They are often timid and fearful of humans. Not the kind of dog you want to own and not the kind of system that you want to support.
Being a cash buyer, you can go straight to a real breeder. You can also look for reviews on the breeder and interview them to see if they are responsible and how they care for their animals. If you want the best English Bulldog, this is the way to go. When dogs are hard to come by, you can even put a deposit down on an upcoming litter. This allows you to assure yourself of getting the dog you want just as soon as possible.
More On Your Loan Offer
Getting a loan offer for a puppy from this website is a fairly straightforward proposition. It is a one, two, three procedure. Here is how it all goes down.
One. Fill out the quote form at the top of the page. It just takes a bit of basic information like your contact information and how you make money. Your income does not have to be a regular job but it should be money that you receive on a regular basis.
Two. Submit your quote form to the network of lenders. You should read the terms of service and then submit your quote. Once you do, it goes to the loan network and if approved, your lender will sen yo an offer. The offer generally goes to the highest bidder or the one that wants to work with you the most.
Three. Review your loan offer. You will be directed to the website of the lender making you an offer and will be given an opportunity to review your loan offer. If you like it, accept the offer and you can get the money in your account as soon as the next business day.
That is it, it could not be easier. Keep in mind that it is free to get a loan offer and you are under no obligation to accept it. If the loan does not work for you, turn it down.
Making Your Decision
No loan should be entered into lightly. You should consider several things such as is the cost of the credit worth it, can you get the money cheaper elsewhere and can you afford the loan payment.
First, look at how much the credit is costing you. An English Bulldog, like a French Bulldog and any other full bred dog is a luxury after all, not a necessity. If the cost is too much, you should turn it down. Look at the total cost of all of your payments if you carry the loan to term and compare it to the money you are borrowing. Think carefully about whether this number is too high or acceptable.
Second look at other options to get the money. Can you sell something, take on a part time job or simply borrow from a family member? If so, these are lower cost options that might be worth considering.
Finally, can you afford your payment. Puppy financing with bad credit is not cheap and the payment could be more than what can be fit into your budget. If it will be tough making your regular installment, you should turn down your offer. Remember, it is just a dog, it can wait until you are more financially prepared.