How Financing Works

Financing is for people who can afford a puppy but would like to spread out the cost over monthly payments. If you can’t afford a puppy right now, please be patient. Your time will come.  Your future puppy does not want to add financial stress to your life, so please be responsible.

Direct Financing. There are 3-month loans at 10% interest and 6-month loans at 20% interest. The down payments typically range from $400-$600, depending on the puppy. You need to supply us with a recent pay stub (proving you have a job), your driver’s license (the address must match where you live – or we will need a utility bill (or cell phone bill) at the address where you live.)  The down payment must use the same credit or debit card that you will use for the monthly payments.  We will keep the card on file and charge it on the predetermined day each month, and send you an email showing the remaining balance. There is a standard contract to sign that states if you miss a payment, after a 3 day grace period, there is a fee. If Small Claims Court is necessary to collect the balance, you will owe any fees incurred.  A judgment would be issued against you, and your wages would be garnished until the balance is paid in full.  So if you can’t afford the puppy, do not do this.

Financing is for people who can afford the puppy, but would like to spread out the cost over monthly payments.  The responsibility is yours.