Puppy Financing & Payment Plans

Welcoming a new furry friend is both exciting and a big responsibility. Taking good care of your puppy requires careful financial planning and budgeting — that's where puppy 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

Financing 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.
Excluded Locations: Massachusetts, New York, and U.S. Territories.
Financing 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.
Excluded Locations: U.S. Territories.

Why Choose a Puppy Payment Plan

Spread your costs

Avoid paying everything upfront. Instead spread your cost over months with a payment plan.

0% APR options

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

No credit check

No hard credit check is performed meaning no impact on your credit score.

Puppies Available for Financing

View All


Yorkshire Terrier | Girl


Goldendoodle | Boy
French Bulldog | Girl


French Bulldog | Boy
Siberian Husky | Boy


Cavalier King Charle... | Girl


Toy Poodle | Boy


Double Doodle | Boy
German Shepherd Dog | Girl


French Bulldog | Girl


French Bulldog | Boy


Japanese Chin | Boy


Pomeranian | Girl


French Bulldog | Boy
Australian Shepherd | Boy
Dachshund | Girl


$2125 CAD
Pomsky | Boy


Toy Poodle | Boy


Havapoo | Boy


Siberian Husky | 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?

Puppy financing, also called Buy Now Pay Later or Pay In 4, is a flexible payment option that allows you to split the cost of purchasing your puppy over time. Rather than paying the full puppy cost upfront, you make monthly payments to the lender, which can be a more affordable option. Some pay later options are interest-free, making them a preferred choice by prospective pet owners.

What are the terms for puppy payment plans?

The payment plans from our partners are designed to be flexible and are based on your financial history. Key terms include the down payment, duration of the plan, monthly payments, and interest rate. A given partner may offer you multiple payment terms for your selection.

How do I apply for puppy financing?

Applying for puppy financing is simple. Just select the financing option that suits you and follow the steps to apply directly through our website or with our financing partners. You’ll receive an instant response for some options, while others may reply back up to 24 hours later.

Can financing be used for a specific breed of puppy?

Yes, puppy financing is agnostic to your preferred breed. Whether a Goldendoodle, Yorkie, or French Bulldog, you can apply for and be approved for puppy financing.

What happens once I am approved to finance a puppy?

Once you're approved, you can use the funds from the lender to purchase your puppy at Mawoo Pets. Our team will coordinate the payment allocation for you, whereby the lender pays us directly for your puppy. You will then repay the lender through fixed monthly installments.

Do you offer puppy financing for low or bad credit?

Yes, there are financing options available even if you have bad credit or no credit. Interest rates for these puppy financing options are typically higher. That said, some Buy Now, Pay Later puppy financing options, like Pay In 4 programs, don’t require a credit check, and simply split your cost over 4 payments that are interest-free.

Can I get a puppy with no credit check?

Yes. All the financing options we offer only perform a soft credit check, which doesn’t impact your credit score. Instead of checking your credit history (as a hard credit check would do), our financing partners look at other factors like your income and employment status. So you can check what you qualify for without worrying about negatively impacting your credit report.

How does puppy financing affect my credit score?

If you make your payments on-time and consistently, financing a puppy can help with establishing credit history and may positively impact your credit score. But if you fail to make payments or take on too much debt compared to your eligible amount, you may negatively impact your score.

What is the payment duration of your loans?

Popular pet financing options range from Pay In 4 options to longer-term Buy Now Pay Later (BNPL) programs. Pay in 4 options span 6 to 8 weeks for repayment. Longer-term loans can vary anywhere from 6 to 60 months. The longer the loan, the higher your interest rate tends to be.

What are the interest rates for pet loans?

Interest rates for pet loans vary depending on the lender and your credit score. Options start from 0% APR (e.g., Pay In 4 options) while other loans can exceed credit card rates. Before you commit to an option, consult our team — we can 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.

Do you offer interest-free financing options?

Yes, we offer 0% APR options with our financing partners. This allows you to finance your puppy without additional interest costs. You can see if you qualify for this option once you apply.

Can I pay off my puppy financing early?

Yes, you can pay off your puppy financing early. Specific lenders may charge a prepayment penalty, which you should review before signing the agreement.

What documentation do I need to apply for financing?

Typically, you'll need to provide identification and proof of income. If more is required, the specific financing provider will reach out to you for additional documentation.

Are there additional fees with puppy financing?

Our financing partners outline any additional fees, such as late payment fees, early prepayment penalties, or processing fees in your agreement. You can consult the lender about the specifics of any fees before committing to a financing option.

Are there risks involved with puppy financing?

As with any financing, there are some key risks to consider: 1. You need to make sure that you can cover your monthly payments and 2. That the interest rate is sensible for you. For a complete breakdown of the pros and cons of puppy financing, including risks involved, review our complete guide to puppy financing.

What happens if I’m unable to continue payments?

If you're facing difficulties with your payments, we recommend contacting the financing company immediately to discuss possible solutions.

Mawoo Pets is a registered entity in USA and Canada.

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