Puppy Financing With Bad Credit

If you have bad credit, you know that financing can be a challenge at times. Luckily, you still may have options. We may be able to help you get a quote for the money that you need and if that does not work for you, we can give you another possible option. Let’s get started.

Get A Puppy Loan Offer

First, lets look at the easiest and fastest option, getting a loan offer.

To get started, you will need to visit the

Get your puppy loan quote here..

This will have a very short loan quote form. We all hate forms, but don’t worry, this one is short and sweet.

Most people can complete the loan form in a matter of minutes. Turn on auto complete and it might even take less.

Getting Your Offer

The first thing that you do is enter in how much you need. Think hard about this, because some breeds can be very expensive. Pure bred Frenchie pups, for example, can be over 3000 dollars a piece.  In addition, you can request more money than you need for just the dog.

The great thing about the lenders that we put you in contact with is that they pay you in cash. This has several advantages. One of those advantages though is the ability to buy your puppy and use extra money to pay for all of those first year expenses.

The first year of your puppies life will be the most expensive. You have all of the usual things like food, which they will eat a lot of as they grow in year one, bedding and even puppy daycare. They will also require frequent vet visits for vaccinations and eventually, spaying or neutering.

When all is said and done, a puppies first year expenses can cost over 1000 dollars an can often go over 2000 dollars if you select a large breed. The point is, think carefully about how much you need to borrow.

Once you come up with an amount, you will need to enter in some information about how you make your money and your contact information. Once again, it is very basic, so it will not take long.

Lastly, the form will require your banking information. If you are approved and decide to accept an offer, your lender will use your bank information to deposit your money. They will also use it for the repayment.

When everything is all entered, agree to the terms and send the quote form off to the group of lenders. If approved, one of the lenders will make you an offer and you will be directed to their website to complete the details.

Deciding On Your Offer

Once you have an offer, it is important that you thoroughly read all of the loan details. This is especially true if you have bad credit because the offer may not be worth taking.

As you know, the worse your credit is, the more interest and/or fees you will be charged. Since a puppy is a luxury and not a necessity, you need to figure out if the loan is worth it for you Just because you get an approval, does not mean that you need to accept the loan.

Here are some things that you should think about.

Can You Afford The Payment?

First and foremost, you need to make sure that you can afford the payment and that it does not put an undue strain on your budget.

Hopefully, you have a written budget, but if not, you should take the time to write one out. Once you do, fit in the loan payment and see how much money that you will have. If things will be tight, you should probably not accept the loan.

Is The Cost Too High?

Even if you can afford the payment, you need to be true with yourself as to whether the cost is really worth it. If you are borrowing 3000 dollars and paying back 6000 dollars, for example, it may not be worth the cost.

Your lender should disclose the total cost of the loan, so give this number some thought before accepting.

Puppy financing with bad credit.

Other Puppy Financing Options

Besides getting a loan from one of our lenders, you may have other options. Here are a few possibilities to look into.

Pet Store Financing

There are a lot of local pet stores that offer puppy dog financing. This option has both advantages and some real disadvantages. Take a look.


The biggest advantage is that you can go in and get approved right away. If you are not into waiting, this may be a big plus for you.

Another advantage is that the pet shop would have a number of animals that are ready to go home. No waiting for a puppy to be weened.


The disadvantages to a pet store loan are also numerous.

First, you are typically dealing with just one lender which means less chances of getting an approval. If you have bad credit, this likely means that you will not get approved.

Second, you have the fact that your selection of animals will be much less. If you are looking for something specific, you probably are not going to find it. Pet stores like to sell “designer dogs” these days which are multi breed mixes.

Finally, you have the obvious ethical dilemma of shopping at a pet store. Animals generally tend to be from mills where they are often raised under questionable conditions. These dogs are mass produced with little effort given to breeding out genetic conditions.