Looking for “puppy financing near me”? Well, that generally means pet store credit. A pet store is the last place the you want to buy a puppy, you want to get one straight from a legit breeder.
We can help you do just that with an online loan for your pet. Take a minute and get a no obligation offer online and then shop ANY local breeder. First, how much do you expect to spend on your puppy?
Online Is Better Than “Near Me”
When you look for “near me”, it means a pet store. That is really the only place that will be offering credit for a pet locally and it is not a place you want to get financing. Here are a few reasons why.
It can be hard to argue that pet stores who sell live animals have questionable ethics. Most buy their animals from puppy mills where animals are mass produced, often under unhealthy and even cruel conditions.
They are weened from their mothers as soon as possible and then shipped to a pet store where they wind up in a small cage. An animal born and raised under such conditions will be much more likely to have issues.
You might think that rescuing one of these animals is a good idea, but that would only benefit the puppy mill industry and allow it to further grow. No, you should stay away from pet stores if you are looking for a live animal other than a fish.
Lack Of Variety
What is in at the pet store these days is the “so called” designer pet. This is simply a mixed breed animal or what you might call a mutt. Calling them a designer pet allows them to sell the dogs at a markup which makes for a nice profit for the pet store.
If you are looking for a certain type of pure bred animal, such as the English Bulldog, you would be unlikely to find one. You need a breeder to find a good pure bred animal.
When you apply for credit locally, you are likely only dealing with one lender. With one lender, you must meet one set of criteria. If you do not match up to what they are looking for, you get denied and that is that.
Benefits Of Online Puppy Loans
Getting an offer online has a number of benefits over the “near me” places. Take a look for yourself.
Be A Cash Pet Buyer
If you are approved for and if you accept a loan, your lender will deposit money directly into your bank account. This means that yo can shop for your puppy as a cash buyer which has a number of perks.
The biggest perk to having cash is that you can shop with a real breeder. Get the exact breed that you want and get a dog that has been raised under humane conditions.
Instead of working with just one lender, you can get access to a much larger group of online lenders. More lenders means more chances of getting an offer from one of them.
If you have bad credit, this is a big advantage. Different lenders have different criteria and online lenders are often more likely to work with bad credit.
How To Get Your Puppy Financing
Now that you see the benefits, why not take a look at how to go about getting your financing.
Fill Out Your Quote Form
To get started, you need to fill out the short quote form located at the top of the page. It should just take a few minutes to complete, it is rather short.
Once you complete the form, you need to submit it to the online lending group and wait for an answer. We ourselves are not lenders and do not make credit decisions. This is a good thing because instead, we get you access to more lenders which gives you more chances to get an approved offer.
If approved for a pet loan, one of the lenders will make you an offer. You will typically be directed to their website where you can review the details of the loan offer.
Making Your Financing Decision
Once you have your offer, you need to make your decision. Before you do so, be sure that you understand all of the details of your loan offer. Consider whether you can afford the loan and if the total cost of the loan is too high.
If you decide that you want to accept the loan, you can complete the process online and your lender will get you the money ASAP. This can occur as soon as the very next business day. Then, you can go about shopping for your new pure bred puppy.