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 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?

We offer fixed payment amounts and fixed terms—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 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

Buying Power

With loans up to $12,000, you won't need to settle for services you don't want.

Monthly Payments

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

Interest Promotion

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

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Pet Financing


Pet financing can equip you with the necessary funds to purchase a pet or afford any bad bone thrown your pet’s way. Our pets rely on us 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. Many pet owners use pet financing when they need financial help to care for their pets. Pet financing may also have 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 for 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 our financial circumstances can get in the way. Pet financing allows you to put the interests of your 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 LendingUSA make this possible. If your vet or pet store does not offer financing, you can visit LendingUSA and apply for a pet loan. We’ll even provide you a list of pet stores where your pet retail loan can be put to use.

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 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’re not referring to using a credit card to purchase a pet, but rather to use a pet retail loan. Pet retail loans may have lower interest rates than credit cards, thus making them better options in some cases. If you have been longing for a four-legged friend but are unsure how to afford one, you should apply for pet financing. At LendingUSA, you can get pre-qualified for a pet retail loan and connect with pet retailers that accept that loan. If you are pre-approved for a pet retail loan, you can take your new friend home today and make affordable monthly payments over time with interest.

What’s the average cost to take care of a pet?

Pet ownership is a big commitment, emotionally and financially. But nearly all pet owners agree that it’s a worthy one. Pets not only give us unconditional love, but they can improve our health and well-being. It’s been shown 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 who is willing can be a pet owner. While you can use pet financing to cover a lot of expenses, you may still need to pay for some out of pocket. The size and health of your animal can also impact the average cost to care for them.

What are some 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.

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 banks use 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. If you are unsure if you qualify for pet financing, you can check your rate at LendingUSA without affecting your credit score. If you have credit challenges, but are able to qualify for pet financing, you should consider 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.

What is the best option for financing pet expenses?

LendingUSA is one of the best options for financing pet expenses. Some 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 pet retailer that is.

Is there pet financing for breeders?

LendingUSA knows that many pet parents prefer to purchase pets from a breeder, so it has partnered with select breeders through which you can finance your purchase.

We offer pet loans for pet supplies and many different animals such as dogs, puppies, cats, snakes, exotic birds and parrots, marine life animals and many more.

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Checking your rate won’t harm your credit score

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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