Top 10+ why is puppyspot so expensive

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pet financingRecently, I came across the crazy world of pet financing. There are even pet loans for bad credit.

From what I found, there are many, many pet stores out there that sell puppies and kittens that let you take out pet financing on them in order to “afford them.”

Monthly payments are usually a few hundred dollars, and because so many people can’t say no to a cute little puppy or kitten, they bring their new furry friend home.

However, this is a disaster because, sadly enough, too many people do not read the fine print in the pet financing terms. Also, when you consider that people are actually taking out a loan means they most likely can’t afford the pet.

I had no idea that people financed animals in order to be able to purchase them, but after thinking about it – of course they do! People finance everything in this loan-happy world that we live in.

However, this can be a very costly mistake.

Now, don’t get me wrong, I absolutely love animals.

I have two dogs of my own, and, while some may disagree, they are members of our family. We bring them everywhere we go, we love cuddling with them, we regularly (almost daily) go on long hikes with them, we take them to the vet annually, and more.

However, I also know that you don’t need to buy a $3,000 dog in order to find the kind of happiness you get from having a pet. Plus, that $3,000 dog can easily turn into a $5,000+ purchase once interest and other fees have been added.

I did some further research to find what interest rate people are being charged, and I found anywhere from around 36% to 150% interest rates on pet financing.

Keep in mind, a credit card’s interest rate may be around 15% to 24%, so this is much, much higher!

And, there are so many other options for owning a pet.

Related: 12 Things You Need To Know About Traveling With A Dog

Adopting from a shelter versus buying from a pet store.

According to the ASPCA, about 7.6 million animals enter animal shelters each year, and most are eventually available for adoption. And, sadly, there are approximately 2,700,000 pets euthanized each year.

Adopting a pet from a shelter or rescue does cost money, but it is significantly less than the purebred ones you find through breeders or pet stores. A rescue dog or cat costs anywhere from $100-$200 and includes spaying or neutering, any types of procedures or medications the animal needs to be healthy enough to adopt, sometimes microchipping, and more. On the other hand, a purebred dog will cost you somewhere in the thousands of dollars, and if you are financing your pet, it will cost you even more.

This isn’t going to be a post that tells you that you should adopt from rescues rather than breeders or pet stores. But, I will say that there is usually no need for a person to drop thousands of dollars through pet financing on an animal when there are plenty of great dogs, cats, and other pets in need of wonderful homes. Yes, some people may want a specific type of dog for a specific purpose or reason, but the average family most likely does not need a purebred dog or cat.

Related article: Every Dog/Cat Deserves a Home But Not Every Home Deserves A Pet

If you want a specific breed of dog, then go for it. Who am I to tell you what to do?

BUT, one of the most important factors in pet ownership is whether or not you can actually afford that cute dog or cat.

If you are financing a pet, there is a good chance that you can’t actually afford it. Pet loans have notoriously high interest rates, like I mentioned above.

Plus, you may actually be leasing your pet.

Are you leasing your pet?

As you can tell, I am bothered by this subject. So, I did a ton of research. I called various pet loan companies, researched various pet stores that sold expensive pets with loans at crazy high interest rates, and read tons of articles and reviews from people who felt upset and agitated by the situation.

One recurring theme I found was that not only were people paying an exorbitant amount of money on pet financing, they also didn’t know one very important thing – they were actually leasing their pet instead of owning it.

Yes, those pet financing papers may actually be for a lease!

It works like this:

  1. You find a pet and apply for financing.
  2. You sign up for a few years of monthly payments.
  3. What you may not know is that at the end, you may have to pay a lump sum in order to actually own your pet.

And, this is why the interest rate is so high.

Leasing and/or financing a pet can be a horrible idea for so many reasons. Yes, your new furry friend may be super adorable, but there are so many other ways to afford a new pet.

You don’t need to pay thousands of dollars to purchase your new family member. There are countless shelters where you can find a cat, dog, or other pet.

Can you finance a pet? Can I get a loan to buy a dog?

Sometimes you can finance a pet.

But, the question is – Should you?

What is a pet loan?

A pet loan is a loan so that you can purchase an expensive animal.

You may even find pet financing no credit check, but I highly recommend NOT doing that. That most likely means that it’s just an even more expensive pet loan.

How much does it cost to finance a dog?

Interest rates are extremely high to finance a pet.

36% to 150% is what I found when I did some research.

That is a crazy amount of money.

Can you afford a dog or cat?

Dogs and cats are expensive, no matter how they come into your family.

Many people don’t understand the total cost of owning a dog or cat and only think about the cost of pet food.

Unfortunately, that’s all most people think about, and I am always shocked by that.

You will need to think about veterinarian visits, obedience classes, housing, and more.

The average cost of owning a dog or cat can cost anywhere from $500 to $2,000+ annually.

That is a lot of money!

Also, if you travel, you will need to consider whether or not your pet can travel with you. If they can’t, boarding or paying a pet sitter is another additional expense.

If you do travel and are in need of a pet sitter or dog walker, I highly recommend Rover. This link offers Making Sense of Cents readers a $20 credit towards services through Rover.

The bottomline is this, if you cannot afford the costs of owning a pet, then you should wait to adopt one.

You need to make sure you and your family’s financial obligations are taken care of before taking on the cost of adopting a pet. Considering that the average person only saves around 5% or less of their salary each year, the cost of owning a pet ($500 to $2,000 a year) may severely impact your ability to save any money at all.

Plus, no pet deserves to be surrendered at an animal shelter. If you are upfront and realistic with your financial obligations, you can prevent another pet from being surrendered and losing their family.

What do you think of pet financing?

Top 16 why is puppyspot so expensive edit by Top Q&A

PuppySpot.com Calls for Puppy Scam Victims to Come Forward and Share Their Stories

  • Author: businesswire.com
  • Published Date: 06/05/2022
  • Review: 4.85 (839 vote)
  • Summary: Based upon a fundamental belief that finding a puppy does not have to come with so many x-factors, PuppySpot does not ask for trust, …

PuppySpot Reviews, Features, Pros, Cons & How to Make Money [2021]

  • Author: easycowork.com
  • Published Date: 08/29/2022
  • Review: 4.53 (366 vote)
  • Summary: PuppySpot puppies are more expensive that other puppy sites or local shelter because of the stringent quality guidelines that PuppySpot have in …
  • Matching search results: This is primarily because PuppySpot invests heavily to help users find the perfect breed match, screening of breeders, technology to enable servicing of buyers and sellers and PuppySpot has a 200 team members across country to ensure the health and …

PuppySpot Review | How it Works & What To Expect – SideHusl

  • Author: sidehusl.com
  • Published Date: 01/03/2022
  • Review: 4.24 (328 vote)
  • Summary: PuppySpot maintains that the site is a vetted, no-cost service advertising service for … ( $6,000.00 for surgery) This has been one very expensive puppy!!!
  • Matching search results: “Puppy Spot was Purebred Breeders. My puppy had to have a surgery for a congenital hip problem when he was less than 1 year old. This company did NOT want to honor the contract and provide a refund. They told me to send him back before they would …

The very cute, totally disturbing tale of the American it dog

  • Author: vox.com
  • Published Date: 10/02/2022
  • Review: 4.08 (331 vote)
  • Summary: Puppy-selling websites such as PuppySpot.com assure prospective buyers that their dogs don’t come from puppy mills — a phrase without a legal …
  • Matching search results: When asked about the future of the Frenchie, both Bernstein and Kipperman had grim predictions. “Their popularity will decline when the emotional and financial burden becomes so great owners think, ‘I won’t do that again,’” Kipperman says. “That’s a …

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PuppySpot Reviews 2022 | Trustindex.io

  • Author: trustindex.io
  • Published Date: 11/07/2022
  • Review: 3.8 (514 vote)
  • Summary: He was crated for most of the day and so cute when he got out. Prepare for lots of TLC when you get your puppy. Yes it is a bit more expensive than finding a …
  • Matching search results: When asked about the future of the Frenchie, both Bernstein and Kipperman had grim predictions. “Their popularity will decline when the emotional and financial burden becomes so great owners think, ‘I won’t do that again,’” Kipperman says. “That’s a …

COVID-19 is sending pedigree puppy prices through the roof

  • Author: nypost.com
  • Published Date: 07/27/2022
  • Review: 3.78 (366 vote)
  • Summary: Bloom stressed that PuppySpot decided to drop its margins because breeder prices have gotten so high. Advertisement. But she made the point that …
  • Matching search results: The New Jersey woman wanted a Cavapoo desperately and had been checking the Citipups website for when one would come in, Ortiz said. Finally, the good news arrived late on a Thursday night. Right then, she headed into to Manhattan, parked in front …

How to buy a French Bulldog puppy on a low budget

  • Author: frenchiestore.com
  • Published Date: 07/15/2022
  • Review: 3.45 (441 vote)
  • Summary: French Bulldog puppies are one of the most expensive dog breeds to bring … There is no such thing as a cheap Frenchie or a l… … Puppy Spot Financing.
  • Matching search results: The New Jersey woman wanted a Cavapoo desperately and had been checking the Citipups website for when one would come in, Ortiz said. Finally, the good news arrived late on a Thursday night. Right then, she headed into to Manhattan, parked in front …

Pomsky Puppies for Sale in Massachusetts, MA

  • Author: puppyspot.com
  • Published Date: 10/25/2022
  • Review: 3.3 (305 vote)
  • Summary: The information on the app and online was also helpful and very user friendly. … well for pet budget, indicating that Boston is expensive for dog owners.
  • Matching search results: The New Jersey woman wanted a Cavapoo desperately and had been checking the Citipups website for when one would come in, Ortiz said. Finally, the good news arrived late on a Thursday night. Right then, she headed into to Manhattan, parked in front …

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How Much Do Boston Terriers Cost? Chart & Where To Find Them

  • Author: bostonterriersociety.com
  • Published Date: 03/05/2022
  • Review: 3 (206 vote)
  • Summary: … The Best Place To Find Affordable Boston Babies? Buying a puppy can be expensive, so be sure to do your own research online. … Puppy Spot, $2,462.36.
  • Matching search results: The New Jersey woman wanted a Cavapoo desperately and had been checking the Citipups website for when one would come in, Ortiz said. Finally, the good news arrived late on a Thursday night. Right then, she headed into to Manhattan, parked in front …

Pets to people and data to analytics at PuppySpot | Stitch

  • Author: stitchdata.com
  • Published Date: 02/05/2022
  • Review: 2.8 (133 vote)
  • Summary: Online retailer PuppySpot sells happiness in the form of little furry bodies with … One was unnecessarily complex, another just too expensive, and a third …
  • Matching search results: The New Jersey woman wanted a Cavapoo desperately and had been checking the Citipups website for when one would come in, Ortiz said. Finally, the good news arrived late on a Thursday night. Right then, she headed into to Manhattan, parked in front …

Why Is PuppySpot So Expensive? (Top 5 Reasons)

  • Author: mostexpensivehub.com
  • Published Date: 06/27/2022
  • Review: 2.75 (91 vote)
  • Summary: Examining different factors for which PuppySpot is so superfluous, it is found that it is predominantly expensive on account of its trustworthiness, heavy …
  • Matching search results: The New Jersey woman wanted a Cavapoo desperately and had been checking the Citipups website for when one would come in, Ortiz said. Finally, the good news arrived late on a Thursday night. Right then, she headed into to Manhattan, parked in front …

How Much Does a Cockapoo Cost? [2022]

  • Author: oodlelife.com
  • Published Date: 01/13/2022
  • Review: 2.74 (145 vote)
  • Summary: Read on to understand why they are so expensive. Table of Contents … Puppy Spot’s motto is to make lives better by placing healthy puppies in happy homes.
  • Matching search results: Cockapoos are priced from $700 and go up to $1200 and even higher. Their appearance and the fact they are a crossbreed of two intelligent, active, and healthy breeds affects the price. The range varies with color, coat, texture, age, and other …

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PuppySpot Employee Reviews about &quotbreeders&quot

  • Author: glassdoor.com
  • Published Date: 05/15/2022
  • Review: 2.58 (142 vote)
  • Summary: 9 PuppySpot reviews. A free inside look at company reviews … Your trust is our top concern, so companies can’t alter or remove reviews.
  • Matching search results: Wow, where can I begin? I was with Puppy Spot when it was Purebred Breeders and there was a stark difference on how things were run. When it was sold, things obviously (and were expected) to change but I truly feel as though it was the beginning to …

PuppySpot CEO Views Core Service as A Loyalty Program

  • Author: loyalty360.org
  • Published Date: 09/25/2022
  • Review: 2.56 (161 vote)
  • Summary: PuppySpot is a service committed to helping responsible breeders … our VIP (Very Important Puppy) Program, which gives PuppySpot’s new …
  • Matching search results: Wow, where can I begin? I was with Puppy Spot when it was Purebred Breeders and there was a stark difference on how things were run. When it was sold, things obviously (and were expected) to change but I truly feel as though it was the beginning to …

Top 7 Goldendoodle Breeders In North Carolina – Puppies For Sale

  • Author: fivebarks.com
  • Published Date: 09/21/2022
  • Review: 2.47 (51 vote)
  • Summary: All the breeders that use PuppySpot are rigorously vetted to keep puppy mills and backyard … Why Are Goldendoodle Puppies So Expensive?
  • Matching search results: A puppy mill is a term that’s used to describe an unlicensed dog breeding operation where puppies are churned out quickly and in great numbers. Generally, the dogs are kept in poor conditions and their health and wellbeing are not considered a …

Puppy Spot Reviews – Ridgewood Kennels

  • Author: ridgewood2.ridgewoodpuppies.com
  • Published Date: 02/26/2022
  • Review: 2.37 (124 vote)
  • Summary: in a nutshell they advertise breeder puppies for sale, and collect a commission from those breeders for doing so. If your here, like me you’ve recently heard …
  • Matching search results: At first glance the warranty appears to be decent (unless your looking for an English Bulldog). However, there are some red flags. You need to make sure you follow every step of their required proceedure and it seems excessive. First, you only have …

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