Make low monthly
payments with zero down.

Make low monthly
payments with zero down.

approval within 15 minutes
Approval Within 15 Minutes

After applying, contact us regarding the status of your approval.
Call 914-207-7558 message us on Instagram or website chat.

6 to 36 month terms
6 to 36 month terms

Choose a financing term length you are comfortable with. The earlier you repay, the less interest accrued.

no early settlement fee
No Interest For Early Settlement

Zero Interest charged if your loan is fully repaid within 3 months!

maximum apr 24.98%
Maximum APR 24.98%

With puppy financing through UCFS, your annual interest rate will not go above 24.98%.

no down payment
No Down Payment

UCFS requires zero down to finance your puppy! However, a down payment will lower your monthly payment.

valid for 30 days
Valid for 30 Days

Once approved, you have 30 days to choose your puppy to have delivered to your home.


On the application page, request at least $500 more than the price of your desired puppy in order to cover required New York sales tax.

You may apply for more funds however, UCFS (Lender) will only approve what you are eligible for. If approved, you can then select your puppy. The final amount you want to finance is your decision.

Note: ‘Work Purposes Only’ Social Security numbers are not accepted by UCFS.

Application Page Keys:
Estimated Selling Price = The amount you are requesting
Down Payment = 0

Residents of all states are eligible to apply.

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