Puppy Financing & 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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