Puppy Payment Plans

Looking for a puppy payment plan? We can help with that. Start your payment plan quote by entering in how much you expect to need (Average Request $2500 – $5000).

If approved your lender will deposit cash directly into your account. This will let you shop for your puppy as a CASH buyer, allowing you to use ANY breeder you like.


Puppies purchased with a payment plan.

Getting Your Payment Plan

At PuppyLending.com, we make it easy for you to get an offer for online puppy financing. Just fill out a short quote form and get an offer for the cash that you need to get a puppy.

That is right, cash. If approved for a payment plan, your lender will deposit cash directly into your account so you can buy your puppy. This has a number of advantages.

The biggest advantage is that you can buy your puppy at any breeder that you like. Since most breeders do not like to deal with payment plans or financing in general, this is a big deal. If you have to look for a breeder who finances, you will find yourself severely limited.

Another benefit is that you can avoid the pet store. Usually, if you were looking for a puppy payment plan, your only option would be a pet store. That would present you with an obvious ethical issue and a lack of variety. Pet stores just do not stock that many breed and many like to sell so called designer pets. We all know what that really means is a mixed breed sold for a premium.

Get Your Offer

Now that you can see the benefits, let’s take a look at how you can get your offer.

We ourselves are not lenders. instead, we get you access to a large group of online lenders. This is a good thing for you, especially if you have less than perfect or even bad credit. If there are more lenders, you have more of a chance of getting an offer from one of them.

To get started, fill out the form at the top of the page .

First, enter how much you expect to need. Breeds vary greatly in cost. For example, the average French Bulldog loan would be for 3000 to 4000 dollars while a Beagle might only cost 1000 dollars.

Next, enter in some basic information about yourself, your income and enter where you want the money sent. Then, hit submit and get your offer.

If approved, one lender from the group will make you an offer and you will go to their website to see the terms of the offer. Accept it and you can have money in your bank account as soon as the next business day. Then, you can shop for your puppy as a cash buyer.

Making A Decision

Once you have your offer, you have a big choice to make. Should you accept the loan or turn it down. Not every loan is a good one and just because you receive an offer does not mean that you need to accept it. Before you pull the trigger, here are some things that you should think about.

First, ask yourself if the loan is affordable. Can you make the payment for your puppy or will it be too much for your budget. Plug the number in and compare it to your take home pay. Is there enough room or would things be tight? A puppy is a luxury, don’t break yourself to afford one.

Next, do you have other options. Yes you want a pure bred puppy but maybe a rescue dog would be a better choice. You can adopt one for a fraction of the price of a pure bred puppy. No, you will not likely find a puppy but a young adult or even a senior dog can be just as much fin.

Finally, ask yourself if the cost of the loan is just too much. A loan, especially a bad credit puppy loan is expensive. Compare the cost of the loan to the value that you will get out of that new puppy.

Buying Your Puppy

If you decided to accept a loan, now is the fun part, choosing your puppy.

You probably already have a breed in mind, but do your research. Every breed has good and bad traits and you should choose one that fits your personality. If you are active, a German Shepherd might be the best choice. Like to lounge on the couch, getting an English Bulldog might be a better option.

Remember, as a cash buyer you can use any breeder and that allows you to be choosy. Ask for referrals, research their online reputation and be sure to tour their facility, virtually if needed. The difference between a legitimate breeder and a backyard breeder is huge. Do your due diligence and get a happier and healthier puppy.

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