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Getting Approved With Bad Credit
At Loan Monkey, we can help you get a loan that you might not be able to get elsewhere. We do this by giving you access to one of the largest lender networks on the internet. This makes it easier to get approved for a pet loan. Pet loans to pay for a new purchase or pet medical care. Here is why you need to work with a loan network.
Obviously, when you have more lenders, your chances of approval will be better. When you work with just a single lender to get a pet loan, your odds go down and if they do not approve you, you have to start all over. With our network, if one lender does not approve you, your information goes securely to the next lender. No need to fill out new application. This continues until a lender is found that wants to make you an offer on your “pet loan”.
Another benefit to working with a network is the wider range of different credit requirements. Every lender is different and if you do not meet one lenders requirement, you might meet another’s. Fill out one simple quote form and quickly find your match.
This is much different than working with an individual direct lender. If you get turned down by a single lender, it is all over and you would have to turn to someone else for pet financing.
Secure Online Form
Your information is kept encrypted and secure. We and our lenders take every precaution possible when handling your information. That lock in the address bar at the top of the page means that you are on a secure web page.
Fast Online Approval
You may need to move quickly on your pet purchase or medical care so secure your approval fast. It takes minutes to get an approval for your financing and then you can start shopping for the animal or services that you need.
Fast Loan Processing
In many cases, you will have your money in your account on the next business day. Bank holidays and weekends will delay your deposit speed but rest assured that your lender will do everything possible to get your pet loan money to you as soon as possible.
Pet Financing F.A.Q’s
Here are the most common questions that people have. If you have a specific one that is not answered, please feel free to contact us.
1. Where Can I Get No Credit Check Pet Financing?
Nowhere really, every lender does at least a minimal credit check, so if you are saying to yourself, “where can I find no credit check financing near me”, you are probably out of luck. This however does not mean that they are looking for perfect credit. That is the great thing about getting a pet personal loan through our website. You get access to lenders who may do a more limited credit check or who will be willing to ignore some credit problems.
2. Can I Just Get Petland Financing?
Sure, but you would be limiting ourself to animals that Petland stocks. In addition, there are many reasons to avoid pet shop animals. Most get their animals from puppy mills and puppy mill animals are more prone to health issues.
3. How Do I Get Veterinary Financing?
Right here. If one of the network lenders makes you an offer and you accept it, the money is yours. You can do with it what you want. This includes veterinary bills.
4. What If My Vet Does Not Offer Surgery Payment Plans?
An installment loan from one of the lender in our network would work just the same. You can use the money for anything you like and you will have a set period to pay the loan back in installments. Installment periods will vary depending on the amount you need, your credit and the lender involved.
5. My Pet Needs Surgery, Can You Help?
We are not a direct lender but we can get you access to one. Use the form at the top of the page and get your quote. If you are approved and accept your offer, you can use the money to pay for your pet’s surgery.
6. Why Avoid Pet Stores That Finance Dogs?
It is our opinion that pet stores should be avoided in general. It is best to work directly with a lender to get a well bred and healthy dog. Good breeders do not sell to pet shops. Pet shops by their animals from much lesser quality puppy mills.
7. How Can I Get Financing Near Me?
Local financing can often be difficult to find but it is not needed. The lenders in our network can send money directly to your checking account so that you can buy your puppy. Get a quote from the comfort of your own home and have your money as soon as the next day.
8. How Much Can I Get?
Get a pet loan from $500 to $5000 or more. The amount you borrow may be limited by your credit but it is easy to find out how much you qualify for. Just fill out the simple form at the top of the page.
9. Can French Bulldogs Be Financed?
Of course, that is the beauty of getting financing for a pet outside of the petstore. You can go to any breeder that you like and get whatever breed you want. This is important with hard to get breeds like “French Bulldogs” where you need to put a deposit down before they are weened.
Improving Your Bad Credit
If, for some reason, you were not approved for pet financing, do not worry. There is a lot that can be done to improve your credit score.
First, pull a copy of your credit report and look for errors. Dispute the inaccurate information by writing the credit bureau. It will take 2-3 months to get the information removed.
Next, look at your credit balances and try to reduce the percentage f credit you are using. You can do this by paying down your balances or by asking your credit card companies for a credit line increase.
Finally, keep paying your bills on time. If you have a slow pay, as little as 3 months of on time paying can start increasing your score. In no time, you will have the pet financing that you want.