Pet Loans for Bad Credit

What credit score is needed to qualify for a pet loan?

There aren’t any universal credit score requirements across the board for any kind of personal loan, including pet loans. While the majority of lenders will require decent credit in order to get a pet loan, there are some lenders willing to find solutions for borrowers with credit scores as low as 600 or maybe even lower. All personal loan eligibility requirements will vary by lender. 

Can I use a personal loan to get a pet?

You can use a personal loan for anything you’d like in most cases, including to get a pet. Personal loans are funded as a lump sum so once funded you can withdraw funds and use it to purchase the pet of your choice. With fixed monthly payments, personal loans can be an affordable solution to get the four-legged friend you’ve been dreaming about. 

What costs are associated with getting a pet?

Pet ownership can be expensive! In fact, the average costs associated with getting a dog are between $40 - $290 a month … and dogs aren’t even a “fancy pet.”

Here are some common costs associated with pet parenthood: 

• Food 
• Housing items such as a crate or cage
• Bed or bedding 
• Boarding
• Routine vet visits 
• Toys
• Pet insurance
• Any necessary medications or vaccinations
• Accessories such as leashes, carriers, etc. 

.., and don’t even get us started on emergency costs associated with pet ownership. You should strive to have a nest egg together for emergency vet trips, surgeries, and other unforeseen costs. 

How can I find the best no credit check puppy financing near me?

To find the best puppy financing near you with no impact to your credit, check your loan offers on Acorn! A credit check will be done only once you apply directly with your chosen lender, but finding the best puppy financing does not require a credit check. 

How do you apply for a pet loan when you have bad credit?

Once you’ve chosen the loan offer that best aligns with your financial situation and needs, applying directly with the lender is usually pretty straightforward. Lenders usually want some verifications along with your application such as personal ID, SSN, proof of income, proof of address, and possibly other verifications. If you have bad credit, you may want to check your credit report before applying. If there are any ways you can boost your score before applying, it can increase your chance of qualifying. Oftentimes, there are simple ways you can boost your score, although it can take time to reflect. 

Why choose Acorn Finance for a pet loan with bad credit?

Acorn Finance gives borrowers the power to explore personalized offers with no credit impact. If you have bad credit, it will be especially important to compare offers, without impacting your credit score along the way. Our network of top national lending partners want to earn your business. With a little bit of personal information you can check offers in 60 seconds or less. Plus, with no spending restrictions and no prepayment penalties, our lending partners prioritize the financial future of borrowers.