Question:
Do you have to make a down payment on a puppy from a pet store?
2014-10-22 17:10:01 UTC
My boyfriend and I are thinking about buying a dog. She's $1100 and if we finance it the interest will be 24% with payments over 24 months. Would we need to make a down payment?

Also she is not from a puppy mill so no worries.
24 answers:
E. H. Amos
2014-10-22 17:30:16 UTC
Under NO circumstances should you EVER buy a dog from a pet store. They are ALL - ONLY from puppy mills! You do NOT want to support such horrible places. Most animals from such sources are not healthy & do NOT have good temperaments since they are rarely handled & raised like chickens (in outdoor cages, in their own FILTH).



You will also pay FAR more for this very poor quality animal, than a reputable breeder would charge you, in most cases. You'd do better to adopt a dog or puppy from a local shelter or rescue groupd devoted to a particular breed. That way, you'd be SAVING a life & not encouraging backyard breeding or puppy mills.



Yes, you WILL have to make a substantial downpayment - you do not get puppies for FREE from petstores and they are charging you more than the standard interest on a credit card (which is usally 18%). So this unhelathy, unsocialized, & poorly temperamented animal will cost you an arm & a leg over the next two YEARS of payments. And you'll owe it (even if the dog dies.)



You will also have at least $1,000.00 more dollars in other expenses, like: the vet, food, treats, collars, leashes, toys, dog bed, a crate, training etc. etc. etc. & most of that CANNOT go on a 24 month payment plan. So, how will you handle THAT?
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2016-09-29 01:11:18 UTC
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RE :Do you have to make a down payment on a puppy from a pet store?

My boyfriend and I are thinking about buying a dog. She's $1100 and if we finance it the interest will be 24% with payments over 24 months. Would we need to make a down payment?



Also she is not from a puppy mill so no worries.

Follow 23 answers
dorothy s
2014-10-24 01:15:46 UTC
You should avoid getting either a puppy or even an older dog, if your income is limited. Unfortunately there is no way of calculating the cost of having a dog.



At the outset a puppy will need its vaccinations and worming tablets. In addition to this, there will be other veterinary costs. Perhaps you can afford insurance, however this does not cover every visit to the vets. Even if a procedure is claimable, you will often have to pay the vet when you leave with your dog.



You will need grooming equipment, bedding, leads and collars, cleaning equipment and countless incidentals. You will also need either a fenced garden or yard to enable you to take your dog out to eliminate. A puppy will need to be taken out at least once an hour during the day when it is being house trained, it will also need to be taken out during the night and immediately it wakes up in the morning. A puppy cannot hold on until you get dressed and you will feel vulnerable taking it out, if you do not have a fenced area for it to use as a toilet.



Although you will be diligent when house training a puppy, there are always accidents on the carpets. A puppy will also chew and possibly damage your furniture; consequently you have to make provision for the cost of replacements. A rescue dog will usually be clean in the house and you might think that he can cope without a fenced area for a toilet. Can you imagine taking a dog for a walk on a lead every time that it needs to urinate?



In addition to this if you intend to leave the puppy home alone, it will scream and cry and disturb your neighbours, If you are in rented accommodation you could be evicted and there a few landlords who will accept dogs.
poodle power
2014-10-24 10:14:34 UTC
Please if you wanted to buy a puppy buy from a reputable breeder not a pet shop. Pet shop puppies come from puppy mills where the breeding stock as that is all the adult dogs are to them are keep in awful conditions most with medical issues and just have litter after litter until they can no longer breed so are of no use to them so are either just left to die a slow miserable life , killed or the luck one end up being rescue . The pupppies they produce more than often sickly and have serious health issues. I know they look so cute in the pet shop but by buying them all you are doing is supporting a cruel pet trade . Ones this puppy is sold it will simple be replaced by another puppy mill pup so the cruelity just goes on and on . If people stop buying from pet shop and bought form reputable breeder then this brutal pet mill trade would soon end .
Julie D.
2014-10-22 17:33:31 UTC
blubonnetgranny is 100% correct, even if you make the comment you make. Forget about what the pet store told you. Even if this is a small scale locally owned store, either their pups come from mills or BACKYARD BREEDERS. No reputable breeder would EVER sell their puppies to a pet store. They keep records on who they sell their pups to, and check up on them from time to time. That CAN NOT be done when buying from a pet store, because you'll never know WHO the breeder of that puppy ever is. I don't think you understand the whole process of this. That pet store probably bought that puppy for under a $100.00, and now they're looking for a sucker like you to buy it for a HUGE money making deal for them. Not to mention that you want to finance this pup, and it could be DEAD before your credit card is ever paid off. Not only is a pet store puppy a BAD idea, this is how young people get themselves in debt for decades to come.......they buy something now, and TRY to pay for it later, make the minimum payment allowed, and end up paying $40,000.00 for something that originally costed $1100.00. Not a smart move either way. My Mom taught me well, and this is the reason why I have ZERO debt. My only bills are the normal ones that everyone has to pay for monthly.....gas, electric, water, car insurance, phone bill, etc., etc. My home is paid off, I don't have a car payment, and I owe ZERO on any credit card. Discover credit card pays ME with my cash back bonuses. I'm sure I'm not one of their favorite customers. I am not CHEAP, but I don't buy food with a credit card and pay for it after it's already crapped out. Live and learn. You're probably too young to buy a dog anyway. The legal age is 18 in most places, but I guess a PUPPY STORE wouldn't care, as long as the money was handed over to them. Don't be stupid, ok?
2014-10-22 18:14:17 UTC
Honestly if I were you I wouldn't only because if you don't have the money to pay for the puppy then how are you going to afford the care for said puppy. Paying 24% on anything is allot of money to pay, and you really don't want to get your self into debt. I have no credit cards for that reason alone. They charge to much in interest and instead of paying it off, you get further and further into debt. I have seen this happen with a few people I know. You pay $1,100.00 now and over the life of the loan, you will be paying double if not more than double. Honestly you need save the money up first, then get your puppy. It might take a 6 months to a year, but then you know that the puppy is yours out right. The only one profiting from you buying a puppy with a credit card is the bank.
Ocimom
2014-10-23 05:02:22 UTC
Pet shops get their stock from puppy mills - do don't be fooled by the lies. And at that price, I'd want a show quality puppy. NEVER buy a puppy on credit from anywhere.



Skip the pet shop - you will end up with a badly bred puppy with social and behavior issues and almost impossible to potty train since they were born in cages and lived in cages. The dog you see in there is a very badly bred one with genetic problems. You will be spending far more on medical bills for a short lived puppy.



Meanwhile you are lining the pockets of the puppy mill. Bet the dog is registered in a fake/worthless registery too.



BTW I saw a so called Italian Greyhound in a pet shop last year with a price tag of over $800 - and the dog didn't look anything like a IG. Even my husband has no idea what it was supposed to look like - showed him reputable breeders pictures and he said "so that is what the breed looks like, never would have guessed at that pet store".
2014-10-24 15:01:47 UTC
Let me just tell you something right now. Every single puppy from a pet store comes from a puppy mill. They will lie to you and say they come from good breeders. I've investigated this first hand with some pups that were obviously from a mill. No good breeder will ever sell their pups to a pet store. Pet stores are an unnatural and cruel environment for dogs. They may "look" ok, but the damage done under these conditions is often permanent. There's something called the "Critical Period of Socialization" pups go through up until 16 weeks of age. If you keep a pup isolated in a pet store during that time in a small box, sitting on his own waste, that's not a good start to life. Dogs that endure that kind of treatment can never become fully functioning adults. That fact alone tells you that anyone saying they get their pups from good sources is lying to you. Besides who is holding them accountable for lying? What to them qualifies as a "good breeder"? They are there to make a sale and that's all they really care about. Money is the bottom line.



They will be more expensive than a good puppy from a reputable breeder, if not up front (which they usually are the same cost or more of a good puppy) you will pay for it in vet bills, skin issues, allergies, neurotic and obsessive/destructive behavior, cancer, epilepsy, inability or extreme difficulty with potty training, aggression, fear/phobias, inability to socialize with other dogs, seizures, obsessive desire to eat their own feces, etc. etc. The list is never-ending.This is only a small example of the behavioral problems I've dealt with in puppy mill puppies.



In addition to the vet bills, supplies, cost of training you will end up with the cost of heartbreak when your puppy dies early, becomes so sick you can't afford to care for him anymore or have to put him down. This may sound extreme to you, but this is guaranteed if you get a pet store puppy.



Do yourself and your boyfriend a favor and save up for a dog from a GOOD breeder (breeder of merit in AKC for example) or adopt from a shelter or breed specific rescue. Some times you have to get on a waiting list for a puppy, but considering they are a huge investment akin to bringing home a child, you should take the time to prepare, get supplies, find a good trainer (pups don't come home-ready, understanding all your wants and needs. They need to be taught the rules from the first day you bring him home) and think about your decision. A puppy is never a "spur of the moment" decision, it's not a present for an unsuspecting loved on, it's not an item to be bought and sold like a stock item in a department store. They are living beings with emotions, they form connections to you as family members, they love you and they deserve more than to be seen and treated as an object.
TN
2014-10-22 17:37:21 UTC
If the store told you that your dog is from a breeder, they are just trying to earn a sale, $$$.



Most pet stores that sell dogs are from puppy mills. On occasion, they will team up with a rescue and adopt animals out that way, but this is not your case. If it was, they would definitely not be charging you 1000+ dollars.



To answer your question, that is something you should call the store about
Nekkid Truth!
2014-10-22 20:46:42 UTC
Yes, she IS from a puppy mill. Good breeders do not sell to petshops.

At 24% interest rate, you will end up paying 2-3 times that price tag. That puppy isn't even worth $1,100, let alone interest. And if the pup gets sick or dies, you still owe it. The health guarantee they offer is so full of loopholes, you will never get the petshop to fulfill it.

As far as a down payment, that will likely depend on your credit score.



Go adopt a dog, its far cheaper
Shawn
2014-10-22 18:07:19 UTC
Do not do this! If you enter into a contract to buy a dog, what happens when you and your boyfriend split up? Who would sign the contract? You? NOOOOO! This tells me that you also do not have the money to take care of a dog. Vaccines, heartworm prevention, flea stuff, spay or neuter, premium food. I think you could easily get in over your head here. I hope you will not hyper-focus on this. Use your head and not just your heart. If you simply must have a pet, why not rescue? But even a free dog will end up costing an awful lot. Just call a vet and ask about the cost for vaccines, heartworm prevention, flea prevention, and you will see.
Dobiegal
2014-11-11 15:22:02 UTC
go to a shelter. If you have to have a pure bred dog, and I breed Dobermans, get a breeder referral from the AKC or UKC. and if you have to finance it, you can't afford it.

Once in a while, a breeder will have a pup that for no reason, doesn't get picked. Nothing wrong with it, it's just the last pup, it's starting to get past the cute baby puppy stage and the breeder needs to find it a home, and will lower the price of the pup. But a petstore is the worst place to get a puppy, they get puppymill rejects that THEY can't sell, so off to petland it goes. WORST place. Find a breeder
GllntKnight
2014-10-22 17:40:31 UTC
NEVER BUY FROM A PET STORE! Those dogs come from puppy mills, are poorly bred, have genetic problems and live in squalid conditions. All dogs in pet stores are from puppy mills so get that thought out of your head now.



If you can't afford to adopt and/or buy from a reputable breeder then you can't afford proper care for a dog and should not get one.
bluebonnetgranny
2014-10-22 17:14:04 UTC
A Pet Store is the last place to look for a good quality dog. Pet Stores sell dogs that have been BYBed or they come from Puppy Mills.



Do not buy a dog from a Pet Store, low quality dogs/pups there.



If you are willing to spend that much money on a dog, do some research & get a quality dog with a health guarantee.



Contact the national breed club & they can help you find a club close to you & they can tell you who breeds quality pups.
?
2014-10-22 20:00:28 UTC
She is too from a puppy mill. The pet store says they're local breeders. They're a local(or not so local) puppy mill.



Pet stores do NOT team up with rescues. Pet SUPPLY stores do. BIG difference.
Lizzie
2014-10-22 18:48:10 UTC
Pet store puppies come from PUPPY MILLS. They are poorly bred, and are often mixed breed dogs in spite of (false) registration papers, they are nearly impossible to housebreak, they have never been inside houses, cars or yards. Frequently, they are already incubating Parvo virus when you get them (want to spend a few thousand at the vet hospital?).



Please don't buy from a puppy mill. You could get a top quality AKC dog from a highly reputable dog breeder for that price. Every puppy they sell, means that the mama dog will have to make another litter in that filthy stinking cage...while the owner gets stinking rich. Puppy mills feed the dogs the worst, cheapest food they can find, veterinary care is nonexistent, and dogs with 3 legs or 1 eye or half a tail chewed off by rats are bred. We all want to shut DOWN the puppy mills, not fill the owners' pockets with cash money.



If you don't buy that puppy, it and its mama and a whole lot of other dogs and puppies can go to rescues, get health care and love and help adjusting to life outside a cage and eventually find new homes. Every pet store puppy sold is like making a contribution to a puppy miller's bank account. Please don't do that.



You say she isn't from a puppy mill? How do you know? Did they say she was from a "trusted breeder" or a "licensed kennel"? Ha! I've heard THAT before! Puppy mill is a slang term for a commercial breeder, a person who breeds dogs for profit. Puppy millers don't call themselves puppy millers. No, they speak of their USDA licenses (inspected once a year, so the cages get cleaned once a year) and call themselves professional dog breeders.



The puppy is grotesquely over priced. I'm betting you that it is 100% from a puppy mill, and I don't care how pretty the brochure or the website looks, those things are easily faked. Pet store puppies come from puppy mills and there are puppy mills in every state. Even the Amish run puppy mills.



I bought a puppy from a puppy mill once. It died young. In spite of a long list of promises and guarantees, when my dog got ill, they did not answer one phone call, one email, one letter, one card or one registered letter from me. And when I wrote them later to say she had died and it broke my heart, they didn't even say they were sorry. They never contacted me at all. The most a puppy mill or pet store will do for you is to have you return the puppy you have in exchange for another which will probably get just as sick.



Try akc.org or the national or state breed club of the breed you like. Go to the Canine Health Information Center website and see which tests *should have* been done to both of the dog's parents before they were bred.



Pet store puppies almost always come with a health certificate. This means that a veterinarian, whose job it is to look at hundreds of puppies a day, scrawls a signature on a piece of paper saying that the puppy *appeared* to be okay at the time it was looked at. This has to be done to legally ship puppies to other states, so please don't think it means anything other than the fact that the pup came form a puppy mill.



Ask the pet store to show you the pedigree and registration form. Probably no "Ch." on the whole pedigree and that means t wasn't bred to the breed standard. Jot down the breeder's address and phone number. Give him or her a call and ask about the health screening. Oh, never mind, the pet store won't let you see those things until AFTER you have paid for the puppy.
?
2014-10-22 17:21:14 UTC
Pet Stores that sell live animals will say anything to sell their animals. Fact is that Pet Stores sell only animals that come from mills and backyard breeders. They just have to bedazzle the truth because no one would want to buy the animal if they knew the truth



Good breeders dont give puppies away to Pet Stores to sell and even Shelters that hold adoption events at Pet Stores dont sell any of their animals for that much. You are being played and dont even know it.



:(
Caila
2014-10-22 17:28:01 UTC
No reputable breeder would sell to a pet store you are being a scamed and it is most likely a puppy mill or BYB.
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2014-10-23 14:16:14 UTC
what the ****..?? 24% interest to purchase an $1100 puppy. You and your ghetto boyfriend are gonna be broke and homeless if you want to take care of that dog properly. Dogs are more than their price tags.
?
2014-10-22 17:20:29 UTC
Don't pay 24% to anybody. Also, the big expense is taking proper care of it from food to vet.
MacBryan
2014-10-22 18:01:12 UTC
"Also she is not from a puppy mill so no worries."

LMAO



If you're too poor to pay cash for a dog, you're too poor to care for it, period.
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