Puppy Financing
 

I just read a story in our local paper about being able to finance a puppy. Petland and other pet stores will let you make payments on your new friend because they know some people can't afford to pay $1000.00 to $5000.00 for a pet. If you don't make the payments they won't repo the dog but it will go on you credit report. If the dog dies, well then you get a 25% discount on the purchase of a new dog.

I hated seeing this news story. That is just one more way to keep the puppy mills in business if you ask me. If you can't afford to buy it in the first place, then you can't afford to take care of it either. :mad:

I can understand your concern. I have mixed feelings about this personally. We placed a puppy last year with a wonderful family who did not have the cash on hand to buy a puppy they fell in love with. We fell in love with the family and offered them the puppy at a very low price with payments. It has worked out beautifully.

I'm anxious to hear the valued opinions of other YT members. Thanks for bringing up this topic.

CJ

i dont agree with puppy stores but i do wish breeders did this if gOD Forbit something happen to my dogs they would get the most expensive vet treatment i just can not afford to spend alot on a puppy all at once i can give everything a puppy needs and i think its not fair puppy prices are going up by the day i think if breeders did this then more people would stop going to puppy stores

Payments are not an option with me, I have the belief if you cant afford the kid then you cant afford the proper care. As well we all know these pups are not inexpensive providing the quality essentials, what happens if they cant afford a vet bill? Hesitate taking them to a vet because of finances? The slightest delay in the proper care can risk the little ones life, I for one could not live with myself if one of my kids were lost because of someones inability to pay for quality food or care.

I take deposits shortly after the crucial 2 week period, then the adoptee has 10 weeks to pay for the baby in full.

I think that was great, what you did for that family. I think under the right circumstances, helping people buy the dog of their dreams is not a bad thing. I do agree that Pet stores offering this is only making the Puppymill problem worse, but if a responsible breeder such as yourself can help someone have one of these wonderful little things in their lives, I thinks it's fantastic. These dogs are uber expensive and I've always thought it was a little sad that some people who would be superb yorkie parents may not ever get the chance just because they cannot afford to spend $1,000+ on a puppy. Just my little opinion ;)

i agree with feminvstr. If you can't afford the pup..i think you should just wait until you are financially able to get the pup and pay for shots, etc.


Edit... i don't mean for this to come off rude!! I just believe in not buying anything unless you can pay it off right then..that's just how i was raised..

Thanks. This isn't a business for us, it's a way of life. Finding just the right home can sometimes mean you don't get a financial reward, but seeing that little boy so happy and cherished with his family is plenty of reward. We have been prepared to underwrite whatever expenses they had with him and let them know they never had to worry about taking him to the vet. We'd put it on our charge card and they could pay us back. We give him his shots and paid for his DNA profile.

People who are breeding for a business just can't afford to do these things. We don't make a lot of money breeding pups and we don't have a long waiting list, but we do have some really great friends with our pups and that has been well worth the effort.

CJ

I think a breeder taking payments is O.K. Good breeders take the time to make sure their littles ones have good homes, even if the buyer offers more money a breeder will turn down someone who would be bad for their babies. The pet stores don't care, they just want to do anything to make a buck.

Not only pet shops, but many pet breeders who maintain colonies of breeding individuals.

CJ

Amen to that!!!! Stop PUPPYMILLS!!!!!! :mad:

That why I said Good breeders. I must admit when I got Asia I had not been on YT. The breeder I got Asia from might be considered questionable. They only had yorkies both, but they were kept outside in a kennel. The lady I spoke with did not ask me many questions and I did not know alot of the questions I should have asked either. I did get to see momma and all the others she had. The kennel was very clean and she did have a nice little fenced area for them to play outside.
Asia is a very happy and healthy 8 month old and I would not trade her for the world. But I do know the next time I will have a lot more information thanks to YT.

there was a scam that ran through Oregon last year where as the potential adoptee has their child call to ask questions, after a multitude of calls and questions she tries to endear her self with you asking for your address and wanting to come and visit the pups, they appear the be the best family ever and have a vet reference. The child warms up to a pup begging for the baby, while the parents ask the breeder if they could make payments because they only get paid twice a month and hadnt saved enough or were just running a bit short. They assure you they can provide the proper care for these little guys you fall in love with the Ozzy and Harrett and especially the daughter. The breeder agrees and takes all of the pertainent information, they make a cash transaction, two weeks go by and the payment doesnt arrive the breeder calls only to get an answering machine, tries again to no avail, drives to the address that was given and they dont exist.

I have talked to several breeder here in the northwest that has experienced these calls and a few have actually been taken never to receive payment or find the pup.

No matter how hard we try to screen the potential adoptees, sometimes people can fool you, I for one will not take that risk. I have a very strict adoption process and I do check references and request three.

It is not a money issue when placing a pup it is the adoptees ability to pay and provide the proper care on a moments notice!

I actully believe payments are an excelent option for some. If I was to breed I would take this into consideration for a variety of reasons such as for most people including myself 1200 dollars was a huge chuck of change to put up at one time. I actully waited 3 years for my tax return to finally do it. I would have loved the payment option that some might have, that way I could have had a baby sooner. And just because someone cant afford that amount up front should not be a factor if they will be good parents to the furbabies. I have in fact not only taken great care of my dog and feed her the right kinds of foods, I get all the vet care she needs. For exmample I cannot think of many people who would have spent 1500 dollars on an ally cat to give birth to her last kitten, I did, because I loved her, and to me it wasnt a question. Although I did here from my vet many would have just put her and the other kittens down, however I paid for an emergency c section on a Sunday morning (3am) plus paid for care of her babies for the first several hours while mom was in recovery. Now, I did have to make payments on that as well, but I made them and never questioned weather or not I should take her in. To say that because someone cant afford 1200-1500 up front for a pup means they wont spend the money on a vet, is in MHO discrimination. I know there are many like me, and would never put our babies in harms way, the problem is some breeders dont care they care about the money. If I knew someone would make a good mommy, and trust me I do interview before hand, I would make arragements for payment.

I'm not a big breeder. I currently only have 1 breeding female...female period. I took deposits and actually one member here made out payments. It worked fine for me but I don't know that I would do it again. We try to find the best families for our furbabies but if a family asks for a discount or for future payment askers, I don't know that I would do it again. I completely trusted the member here and since the pup was in my possession till payment was made in full, it wasn't a problem.

No, we don't make a lot of money off of these puppies but I'll be darned if I'm going to take a loss either. Every little bit goes back into my dogs and I'm going to pay a larger stud fee this time so I want every penny back...plus, I'll be keeping one to enlarge my "stock".

Kimberly is right...there are so many scams out there. People trying to pull at your heart strings but business is business.

We not only have to look out for ourselves but also other reputable breeders...friends.

i agree my cat got sick over night and 800 dollars later my cat still died i didnt care how much it cost i give my animals the best vet care and everything else they need

EXACTLY! If they can't afford the cost of the dog, how are they going to come up with the money for vet bills and good quality food?...just something to think about.

thats not true there are people that take care of there dogs but cant afford over 1000 all at once
i can not afford 1500 at once thats why im am saving my money for my girl but my dogs do go to the vet and they get the best food thats very unfair

As a breeder, this is not a question of whether I can afford or not afford to finance a puppy. This is more a question of placement. I choose to have my pups going to homes where they are going to be well taken care of in any circumstance. Vet bills for small dogs are high and if you have to scrape together the money to buy the pup, then you cannot afford to keep it in the 'style to which it has become accustomed' in my home. snobby, maybe...but I want the best for my dogs and if you can't come up with the price during the 3 or 4 months minimum that you are waiting for it... I recommend rescue.

im sorry but that is very snobby my dogs are taken care vetter than half the people i know
comming up with th money in 3 or 4 months i almost like making payment we are talking about instant money
im am really upset by your post you almost saying if you cant just go out and buy a dog for 1500 dollars then you shouldnt have one that is really not right ! im done :thumbdown

Lenora, sorry to offend you. But you are saving your money which is the way to go. I saved for my first yorkie, too. What I'm referring to are the people that ask you to go down in price, want the puppy AND make payments. I've seen stories in the past not necessarily on this site of people that aren't able to take care of their sick furbabies. It's so very sad that the dogs have to suffer. We all want to ensure that our babies are healthy and well taken care of.

Our second yorkie Jewels was $1200. The breeder let us pay 800 when we got the dog and 400 two weeks after. I thought this was very fair but can understand why some breeders would not do this.

i understand but what about the people like me that just want to add a family member now but have to wait month and months and a perfect pup has to be passed i understand that breeders have to be careful of scamers

I know but there is no way for the breeder to know if you are a scammer or not.

Lenora, there is NOTHING wrong in saving up for the perfect pup. People do it all the time. Some breeders may do payments and keep the pup till paid in full. I did that with the member here and it WAS NOT a problem.

Finance a puppy?
Hmmmmmmmmm
Well, some people don't have the money for a puppy, but they do find a way to get them to the vet fast if needed. I don't like the fact that there are so many puppy mills out there. You really can't find Yorkies at a low price, I know I paid $2500 for Princess. And I would do it again. A person who really wants a Yorkie, but can only pay for a mix breed, I would hope they would find a way to get the puppy of their dreams. I can't tell you how long I looked at my fish and told her I wish she was a Yorkie. Yes, I had the money for a pup, But I didn't have the time, so I had to wait. Five kids & a Grand baby later, I now have all the love & time needed for my happy pets,(I still have fish too) I'm not a breeder, Princess is two years old, I am going to breed her once, with lots of advice from our breeder and vet. My neice whould love a Yorkie, and would make a wonderful little mommy, but her parents can't put money out for any pets. I am going to give her a puppy from Princess, under the condition, that I pay for all the food and vet bills. If she has more than one, I'll make sure they go to good homes, who will love and care for them.
If for some reason someone would end up in a bind, I'll be there to help, after all
her babies would be my Grand Puppies right?

thanks :D

here what i was just thinking what if you have a puppy and someone buys the puppy that has lots of money and will give the pup a great home then a year later she goes bankrupt and is completely broke and can not afford the vet care and food then what ?

I'm smiling with delight. I feel the same way. Those pups are my grandchildren and if they need anything I'll provide it. Profit Scmofit.

CJ

I really started this thread because I was afraid that pet store taking payments would just surport puppy mills. I know there are alot af good breeders who want the best for their babies and are willing to go the extra mile to make sure. A breeder taking payments may a good thing, it just depends on the case. My maintinace man here has a 3 yr old Yorkie and he is the light of there lives. He works here part time so I know he does not make alot of money. When Bai-nah got sick they took him right to the vet. He had to have part of his thoung cut off because he tried to eat a spider. The vet wanted to put him down. But they said no. So they got a new vet who told them how to take care of him. They took him home and fed him by hand until he gained weight and relearned how to drink water on his own. He is now happy and healthy and Asia got to spend a fun filled weekend with her friend. so no I don't think money determines and good parent either. I just don't like petstores doing it for the money, they don't check out the buyers. They will sell to anyone with the money (or now the credit). Its just a product to them.

Or someone with a lot of money who wants them as a fashion accessory and then gives them away when they get too big. Money can't be the only factor when placing a puppy.

CJ

i agree

i also think no matter what pet stores should not exist there just terrible :D :thumbdown