Pet financing for  good & bad credit


Pet financing for
good & bad credit

We understand. You take one look at that furry little face and fall in love. That’s why our pet financing and puppy financing loan program makes it fast, easy, and affordable for you to make special additions to your family for dogs, puppies, cats, & more. Because aren’t you and your new friend meant for each other? We also offer financing for breeders. Are you a pet retailer? Learn more here.

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What makes our pet financing better than a credit card?

What makes our pet financing better than a credit card?

We offer fixed payment amounts and fixed terms to finance a dog, a puppy, or other pet—credit cards can’t do that. This gives you greater flexibility and control over how you manage your monthly expenses. It also allows you to pay no interest on your principal if you pay off your pet loan in full within the first six months of your disbursement date*.

Application Time

In Minutes

Pre-Approval Decision

In Seconds

You can apply online, from anywhere. Simply provide the required information, choose your options, and sign the online agreement. The entire process is quick, simple, and secure.

Benefits of A LendingUSA Pet Loan

Increased  Buying Power

Buying Power

With high loan amounts, you won’t need to settle for services you don’t want.

Affordable  Monthly Payments

Monthly Payments

Select a monthly payment amount that fits comfortably into your household budget.

No  Interest Promotion

Interest Promotion

Pay $0 in interest when you pay off your loan in full within 6 months*.

More Information

Can you finance a puppy or other pet?

Pet financing can equip you with the necessary funds to purchase a pet or afford any bad bone throw your pets way. Pets rely on us humans for proper care, shelter, food, water, and plenty of love – so we must make sure we can provide what they need. At times, pets can be expensive which is why it’s important to be aware of pet financing options. Even if you have pet insurance, it may not cover your entire bill. Most pet insurance policies have deductibles that you must meet. Most pet owners use pet financing when they need financial assistance caring for their pet. Pet financing usually has lower rates than credit cards. Keep reading to learn everything you need to know about pet financing and loans. 

What is pet financing?

Pet financing provides an affordable payment solution for purchasing a pet or emergencies, surgeries, routine care, and more. Pets grow to be some of the best friends we have in life. Most of us want to treat them like a family member but may have financial constraints. Pet financing allows you to put the best interest of your beloved pet, first. You can make the decisions that are best in the moment and worry about paying later. Whether you are at a veterinarian’s office or retail pet store you should ask what financing options they offer. Surprisingly, most companies do offer some kind of pet financing. Committed partners such as Lending USA make this possible. If your vet or pet store does not offer financing you can visit LendingUSA and discover a network of vets and pet stores that do offer financing. 

What can you use a pet loan for?

Pet loans offer a long list of uses that pet owners should take advantage of. Pet loans can be used for the following. . .

  • Purchasing a pet
  • Vet bills
  • Emergencies
  • Surgeries 
  • Medications
  • Routine vet visits 
  • Breeding expenses 
  • Cremation or euthanasia 
  • End of life care 
  • Cancer treatment
  • Vaccinations
  • Spay or neuter

Can you finance a puppy or other pet

Yes, you can finance a pet. In fact, with pet prices rising it’s becoming more common to  finance a pet. When we say finance we do not mean use a credit card to purchase a pet but rather to use a pet loan. Pet loans usually have lower interest rates than credit cards, thus making them a better option in most cases. If you have been longing for a four-legged friend but unsure how to afford one, you should apply for pet financing. At LendingUSA you can get pre-qualified for a pet loan and connect with pet retailers that accept financing. If you are pre-approved for a pet loan you can take your new baby home today and make affordable monthly payments over time with interest. 

Can I get a loan to buy a dog?

Pet financing and pet loans are basically the same thing. You can get a loan to buy a dog or use pet financing. Most dogs cost upwards of $1,000 plus tax and of course plenty of expenses to follow. 

Average cost to take care of a pet

Pet ownership is a big commitment, emotionally and financially. But boy oh boy is it worth it. Pets not only give us unconditional love but they can improve our health and well-being. It’s been proven that pets can help lower blood pressure and anxiety while boosting immunity. With science and advanced breeding, we have a growing number of hypo-allergenic animals available. This means that just about anyone that is willing, can be a pet owner. While you can use pet financing to cover a lot of expenses, you may still need to come out of pocket some. The size of your animal can impact the average cost to care for them. However, on average pets cost about $400 – $1,000 per year for food and regular maintenance. 

Reasons to take out a pet loan

There are many reasons why you may need to take out a pet loan. From purchasing a new pet to paying for emergency expenses, pet loans can be used for many purposes. If you are struggling to pay for anything pet related, you may be able to take out a pet loan. To find local businesses that offer pet financing visit LendingUSA. 

What credit score is needed for pet financing?

Good and bad credit borrowers can qualify for pet financing. There are a variety of factors that are used when determining one’s eligibility for a pet loan. These factors usually include credit score, income, residence, debt-to-income ratio, on-time payment history, and so on. Most lenders prefer a credit score of 620 or higher. If you are unsure if you qualify for pet financing, you can apply at LendingUSA without affecting your credit score. If you have credit challenges but are able to qualify for pet financing, you should use the financing. Making on-time payments consistently and eventually paying off the loan can help boost your credit score. 

Can you get a pet loan with bad credit?

If you have bad credit, you may still qualify for a pet loan. Since you are borrowing a smaller amount, pet loans may be easier to qualify for than other types of loans. In addition, lenders that specialize in pet financing understand that you most likely need to borrow money to care for your pet. If you have bad credit and you qualify for a pet loan, it’s important to make on time payments.  If for any reason you are unable to cover a payment or payments, you should contact the lender immediately. Lenders are usually willing to adjust loan terms to ensure you can cover monthly payments. You can apply online at LendingUSA without affecting your credit score to get pre-qualified for pet financing. 

What is the best option for financing pet expenses?

LendingUSA is one of the best options for financing pet expenses. In addition, if you can pay the loan amount in full within six months of the disbursement date, there is no interest on the principal. For example, if you need to borrow $500 to cover a vet visit you can get pre-qualified with LendingUSA. If you are approved, you can borrow the funds and pay about $84 per month for 6 months rather than paying $500 upfront. If you need longer than six months, you can apply for a longer term. Some veterinarians and pet retailers may already be a LendingUSA partner. If they are, you can apply for financing through them. If they are not a LendingUSA partner, you may want to consider a veterinarian that is. 

Is there pet financing for breeders?

Yes, LendingUSA offers financing for breeders. LendingUSA knows that many pet parents prefer to purchase pets from a breeder. Breeders that are able to offer pet financing can increase their sales while helping more pets find homes. LendingUSA does not charge any enrollment or membership fees. In addition, they offer promotional financing for customers at no additional cost to the breeder. Breeders can receive funds from LendingUSA within days via direct deposit.


There truly is no better feeling than coming home after a long day to your pet who is bound to be overjoyed by your presence.  As pack animals, dogs are one of the most loyal pets. Dogs recognize their leader and show them affection and loyalty. The bond you can share with a dog is priceless. Pet financing can help soon to be pet owners and pet owners manage pet related expenses. LendingUSA offers promotional financing with 0% interest if the balance is paid in full within 6 months of the disbursement date. This means pet owners can make affordable monthly payments while avoiding any extra fees. 


Discover promotional pet financing. . . apply online today!

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You won’t be penalized for exploring your pet loan options for dogs, puppies, cats, breeders, and more, so there’s no reason to delay. That’s because now is always the best time to finance life’s important moments. With LendingUSA you can buy now and pay later.

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