Need puppy financing? We can help you get a quote for a pet loan and, best of all, approved loans are paid directly to you. This will let you shop for your dog as a CASH BUYER, allowing you to use ANY breeder you like.

Start your quote with how much you expect to spend on your new puppy. (Average Request $1000 – $2500)

Puppies purchased with puppy financing.

Go To: Get Your QuoteThe Loan ProcessAvoiding Pet Store Loans

How Does Puppy Financing Work?

We ourselves are not direct lenders. Instead, we give you access to a network of lenders which is important because “pet financing” is hard to get, even with good credit. More lenders makes it easier to get an approval.

It could not be any easier to get your new puppy financing offer. In fact, you can get it all done in just a few minutes. This is how it will all work if you choose to proceed.

  • Tell the lenders about yourself.
    First, you need to complete the form at the top of the page. It is simple and only requires a few things. Indicate how much you need to borrow and then list your contact information, income information and banking info.
    Banking info? That is right, that is because if approved, your lender will send you money directly. That is a huge bonus…(but more on that later).
  • Submit your quote form.
    Once you have completed the form, you just need to submit it to the network of lenders. It is then securely transmitted and if approved, you will receive an offer from one of the lenders.
  • Review your offer.
    If you received an offer, you will be directed to the individual lenders website. There you can review all of the details of the loan so that you can make a decision as to whether it is right for you.
    Be sure to take the time to carefully examine the loan details so you understand the commitment that you are getting into.
  • Accept your pet loan.
    If everything looks good to you, all that you need to do is accept the loan. You will then get your money just as soon as possible. For many, this could be as soon as the next business day. Can’t beat that.

Pretty easy right? Best of all, there is no obligation whatsoever. Get your offer and if you do not like it, you can jut walk away.

Why Not Get Pet Shop Financing?

For many, puppy financing means getting approved for store credit at a pet store. Not a good option in most cases and there are a lot of reasons for that. Here are just a few for your consideration.

  • Limited Choices
    If you apply for pet financing with a pet shop, you are limited to the pets on hand. If you want a specific breed, you are usually out of luck.
    Making matters worse, pet shops generally like to stock what they call “designer pets”. Crosses between different breeds of dogs. That means that they are basically selling you mutts at pure breed prices. Now, there is nothing wrong with a mutt. They can be great dogs but not if you are paying thousands of dollars for them.
  • Higher Prices
    Pet shops buy from breeders (or puppy mills) and then resell them to you for a profit. Go straight to the source, the breeder, and get a much better price. I have seen mixed breed dogs at pet stores sell for higher prices than what a breeder would sell them for.
  • Unhealthy Animals
    Pet stores buy from the cheapest supplier that they can. These puppy mills are all about mass producing animals and often give little care to breeding out genetic disorders. This can lead to dogs with some very serious health conditions. Heart disease, hip dysplasia, epilepsy, etc. These are things that responsible breeders take care to avoid by selective breeding. If a dog has heart or hip issues, they are not bred. The same can not be said for puppy mills.
  • Mental Health issues
    Sounds strange to say this with a puppy, but it can be true. How would you like to spend some of the first few weeks to months of your life in a cage? It can make for a dog that is possibly timid, antisocial or even aggressive.
  • Limited Availability
    If you are looking for something specific, you might have to wait some time with a breeder. They have a limited inventory of a few dozen or so dogs. Compare that to the hundreds of dogs that might be available in your area for breeders.
    In addition, being able to go to a breeder, as a cash buyer, can allow you to put a deposit on a dog that is still in the womb. For many, hard to get breeds, this is the only way to secure one.

There you have it, a lot of reasons to avoid the pet shop. Get a cash loan instead and go right to the breeder. You will get a healthier animal, one that you really want and you will not be financially supporting an industry with questionable ethics.

Popular Dogs To Buy With A Loan

For the most part, the higher end breeds are the dogs that people finance. One such example is the English Bulldog. With a starting price of around $4000, you can see why people would need financing to afford one.

Another popular choice is a French Bulldog puppy. These can be even more expensive than English Bulldogs, with prices exceeding $5000 for a puppy.