Puppy Financing & Payment Plans

Welcoming a new furry friend is both exciting and a big responsibility. Taking good care of your pet requires careful financial planning and budgeting — that's where pet loans and financing options come in. We've partnered with top lenders to offer you flexible payment options to budget for your new companion.

Meet Our Financing Partners

Bread Pay Logo
Checkbox greenInterest-free options
Starting from 0% APR. No prepayment penalties.
Checkbox greenStraightforward pricing
Clear, upfront terms. No hidden fees.
Checkbox greenInstant decision
Check your eligibility in seconds. No impact on credit score.
Credova Logo
Checkbox greenNo credit bias
Considers all credit profiles.
Checkbox green4 interest-free payments
Option for 4 payments and no interest.
Checkbox greenInstant decision
Check your eligibility in seconds. No impact on credit score.
Apply Now
Terrace Finance Logo
Checkbox greenMultiple lenders
Compare and choose from a network of lenders.
Checkbox greenTailored financing
Match with a customized solution for your needs.
Checkbox greenSoft credit check
Does not affect your credit report.

Why choose a payment plan?

Spread your costs

Avoid paying everything upfront. Instead spread your cost over months or years.

0% APR options

Opt for 0% interest with select financing options; make your purchase more affordable.

Build your credit

Timely monthly payments can help improve your credit score.

Puppies Available for Financing

View All


Maltipoo | Boy


Cavapoo | Boy


Goldendoodle | Girl


Pug | Girl


Shetland Sheepdog | Boy
Miniature Schnauzer | Boy


Pomapoo | Girl


Boston Terrier | Girl


Samoyed | Girl


French Bulldog | Girl


Aussiedoodle | Boy


Boston Terrier | Girl


Goldendoodle | Boy


Bernedoodle | Girl
Goldendoodle | Boy


Maltipoo | Girl


Boston Terrier | Girl
Australian Shepherd | Girl


Cavapoo | Girl


Shetland Sheepdog | Girl

Ready to Welcome Your New Friend?

Getting a new puppy from a good breeder is more than just a purchase — it's the start of a new relationship that'll be filled with kisses and tail wags. With our flexible payment options, we're here to make the financial part of that journey easier for you. Delve into our financing options today and discover how it may help you bring home the love you've been waiting for.

If you have any questions or need further guidance, please call our team at 1 (888) 488-7203. We're here to help. We're excited to be a part of your journey, every paw-step of the way.

Woman hugging her puppy

FAQs About Puppy Financing

What is puppy financing?

Financing a puppy is a way of splitting the cost for purchasing your new puppy over time. Instead of paying the full cost upfront, you make monthly payments to the lender — which can be a more manageable and affordable. Some pay later options are interest-free, making them a preferred by many to purchase a new puppy.

How does financing for puppies work?

The financing process is simple — you apply for a loan using a specific lender. If you're approved, you can use the funds from the lender to purchase your puppy at Mawoo Pets. You can then repay the lender through fixed monthly installments. Some payment options are interest-free while others are interest-bearing; this depends on what option you qualify for and select.

Are there specific pet loans for buying a puppy?

Yes, some lenders offer loans for pet-related expenses, including for purchasing a dog or puppy. These loans are a type of personal loans and can be used for other pet-related expenses as well like veterinary costs. The interest rates and payment terms for pet loans are typically higher than for "Buy Now Pay Later" options.

Can I finance a puppy with bad credit?

Yes, there are financing options available even if you have bad credit. Some lenders offer bad credit pet financing but their interest rates are typically higher. Some Buy now, Pay Later puppy financing options, like Pay In 4 programs, may not require a credit check, and simply split your cost over 4 payments that are interest-free.

What are some popular pet financing options?

The most popular pet financing options are Pay In 4 options, longer-term Buy Now Pay Later (BNPL) programs, and pet loans. Pay In 4 options are typically interest-free, while longer-term BNPL options and pet loans are typically interest-bearing. Their terms can vary anywhere from 6 to 60 months. The longer the loan, the higher the interest rate tends to be.

What is a 'Buy Now, Pay Later' option for puppies?

A Buy Now, Pay Later option is a type of pet financing that allows you to complete your purchase now, but pay for it over time. Example vendors include BreadPay, Zip, and Credova. Buy Now, Pay Later options typically do not do a hard credit check.

How do I apply for financing?

The process varies by lender. At Mawoo Pets, you can prequalify for Mawoo financing and Terrace Finance, to see how much capital you qualify for and with what terms. You can then use these options at checkout to purchase your puppy. For other lenders like Credova, you can apply at checkout. You'll receive an instant decision. The process typically takes 1-3 minutes; if any documentation is needed for proof of identity or employment, the lender will ask you to share those separately.

What are the interest rates for pet loans?

Interest rates for pet loans vary depending on the lender, your loan term, and your credit score. Some options start from 0% APR (including Pay In 4 options) while other loans can exceed credit card rates. Before you commit to an option, consult our team — we're here to help you understand the full cost of your loan, including interest rates and fees, and to make sure it's the right fit for you.

Are there risks involved with puppy financing?

As with any financing, the answer is yes. You need to make sure that you can cover your monthly payments and that the interest rate is sensible for you. There's always potential of high interest rates, especially for those with bad credit. For a complete breakdown of the pros and cons of puppy financing, including risks involved, review ourcomplete guide to puppy financing.

Is there a 'no credit check' financing option?

Yes. All of the financing options offered through Mawoo Pets perform no hard credit check. This means that your credit score will not be impacted. Instead of checking your credit history, our financing partners look at other factors like your income and employment status. So you can see what you qualify for, without worrying about negatively impacting your credit report.

Mawoo Pets is a registered entity in USA and Canada.

Join the pack!

Sign up and stay up to date with lovely pups, deals, new articles, and more!

Find your puppy match!