"installment payment" on Puppies

[Mickey48]

"installment payment" on Puppies

---

I would like to start a little thought experiment.

Imagine you're a breeder of any breed, having a litter and one of the interested parties asks for "installment payment" for one of your puppies because he/she can't pay the full price at once.

Would you accept it or not and why?

 

[Smart_Family]

Re: "installment payment" on Puppies

Nope. The only thing I would do would be a deposit and then the rest due at pick up. If you need an installment payment plan how are you going to afford medical emergencies and even routine vet care, food, etc.

 

[Duetsche_Doggen]

Re: "installment payment" on Puppies

I've heard of breeders doing this, even the breeder I got Thor from allowed a potential owner to pay the full price up until 8 weeks of age, although I paid full price when I inquired about him.

If I were a breeder I might allow it I know people have unexpected emergencies, so long as they pay the bulk of the percentage of the pup I would allow that.

 

[chuckorlando]

Re: "installment payment" on Puppies

I would think it fine long as they sign a contract stating it's non refundable period. That would ward off folks who might be wishfull thinking. Of coarse if they have a good reason, you could always return the money regardless.

It dont have to be about can you afford it to make payments. Very very very wealthy folks make payments all the time. Again, it would have to be case by case.

 

[Smart_Family]

Re: "installment payment" on Puppies

When I say no I wouldn't I mean I expect the money to be fully paid by 8 or 12 weeks whenever they picked up. I would never allow a puppy of mine to leave without being fully paid for.

 

[chuckorlando]

Re: "installment payment" on Puppies

You would be a fool if you did. hahahahah. Hard enough getting 20 bucks from a friend .

 

[Smart_Family]

Re: "installment payment" on Puppies

You would be a fool if you did. hahahahah. Hard enough getting 20 bucks from a friend .

Exactly!

 

[Duetsche_Doggen]

Re: "installment payment" on Puppies

you would be a fool if you did. Hahahahah. Hard enough getting 20 bucks from a friend .

lol!

 

[ruthcatrin]

Re: "installment payment" on Puppies

As in they get the puppy and continue to make payments afterwards? No.

As in they want to make payments with the total paid in full by the time they pickup the pup (no later than the date the pup would normally go off)? It would depend, but I'd consider it.

 

[Mamie2shoes]

Re: "installment payment" on Puppies

to be honest, if after a thorough interview process and checking out of potential owners, I thought they would be good and responsible parents, I would allow it. Everyone has different patterns for their finances. I would be more interested in their temperament and expectations of the dog than the money. I don't know of anyone who breeds to make money, LOL. It's too expensive. It is done for the love of the breed usually. So a great owner would be welcome. So I guess it would be a case by case thing, not hard set rule

 

[metaldad904]

Re: "installment payment" on Puppies

I guess i might for the right person but i highly doubt i would let the dog leave me until it was paid in full. If it's a friend i might feel differently.

 

[ravendarat]

Re: "installment payment" on Puppies

I guess i might for the right person but i highly doubt i would let the dog leave me until it was paid in full. If it's a friend i might feel differently.

If its a friend I would be ok with it in most cases but if its a stranger than I don't see any way I would.

 

[Tiger12490]

I would tell them to get a personal loan from the bank I've done its a wonderful way to build credit...but see the bank is going to get there's regardless...I wouldn't want to go through the hassle of tracking down/suing a non payer..a pup wouldn't leave my facility unless that person owned them paid for or was gifted, friend or stranger... its even worst with friends bringing money into a friendship can kill it..

Tapd on my skyrocket

 

[Bentley]

Re: "installment payment" on Puppies

I would be reluctant, as it would suggest they might not be able to meet the financial demands of dog ownership.

 

[BlackShadowCaneCorso]

Re: "installment payment" on Puppies

I think it depends entirely on the situation. I wouldn't let the dog leave without being paid in full but sometimes it is easier (if you are the type that money burns a whole in your pocket) that it is easier to send what you have as you have it. As long as both you and the breeder have no problem and make sure you get a record from the breeder, either an email or receipt to show the amounts you are sending then I don't see any issue. Some of these dogs can be a big expense and if you have kids, other dogs, etc. that can drain it sometimes it is easier if out of sight out of mind.

But again not something I would do for everyone but the right home with a responsible person then fine. I find I worry more about the people that call me wanting to bargain on the price for a puppy then I do someone that would like to pay off the puppy over the couple months while they are waiting for the puppy to be born/ready to leave.

 

[natsan6]

Re: "installment payment" on Puppies

I can tell you the funny slightly crazy situation when we got Jagger....We went out and picked him out, met with the breeder which I had already had quite a few conversations with ( I still know her and talk to her she is on my facebook page). We paid the deposit & left with the intention of picking Jagger up a week after Christmas......(before continuing, full disclosure is that several on this board would consider her a byb, I was totally ignorant as to what defined BYB, she loved her dogs is good to them so I was happy, I fell head over heels for him immediately). Well after we left, Christmas was around the corner we were talking she said they were on kibble not really nursing anymore (at a little over 7weeks) would we like to get him in time for Christmas? Of course I have 6 kids that had just gone through a heartbreaking loss of a foster they couldn't love on so I jumped at the opportunity....my husband left to go meet them, couldn't get any money over 500.00 out of the atm...then couldn't find any branches open they all closed early on Christmas Eve....he had the check book so I called her she said sure she would accept a check from me.....he gets there no checks in the checkbook LOL....one mess after the next LOL. After talking to her on the phone she just said she would withhold giving me his papers until she got the balance over the deposit and 500.00 and let us take him. BAHAHA I was certain she was going to think we were crazy irresponsible nuts! She wasn't, she was really sweet and understanding and we both laughed at how crazy it all turned out. I don't think it would have gone our way if her and I hadn't had so many conversations on the phone and gotten acquainted with one another.

In my search for Jagger, 2 of the other breeders I spoke to that had "confirmed pregnancy" said that they accepted mailed in payments leading up to delivery and balance was due at pick-up of the pup....I don't think it is all that unheard of, people mailing in what they have as they have it as BlackShadow said. There are a few breeders that sale very pricey, but totally worth it pups, that I think I would do that to purchase a girl from. Basically so it wouldn't seem like a huge chunk all at once, we can afford it, it just helps to not instantly deplete our account by a few thousand. To me it is the same as saving up for a dog that is worth the expense your just mailing the savings to the breeder instead. IMHO

 

[Oak Hill Farm]

Re: "installment payment" on Puppies

I think it depends on the relationship you have with the breeder and what you are buying.

I think for the most part all dogs should be paid in full before leaving. However as far as payments... nothing is guaranteed. I paid for my first dog in full from my breeder, however I am thinking of co-owning an import stud or bitch in the next year or so. It is over $6000.00 I don't have that, I will be making payments after I receive the dog along with costs of traveling. I have known my breeder for over 6 years and have a good friendship and this would be more of a business transaction with a fellow owner. You also have to take in account breeding dogs and co-own dogs. There are many "deals" that happen. A bitch they want to co-own and grow out at your home and see if she turns into a quality dog. They may breed her with a puppy back agreement to further the lines. One of my dogs breeders also co-owns all show dogs until they earn their championship and pass all required testing. At that time additional money and/or transfer of sole ownership may take place.

In the US..tax time (Feb-June) people have an influx of money. People can buy all sorts of things they can't throughout the year. You can't equate fast $$$ with a good home. I know that many people have access to cash and can buy any puppy. However easy money leads to "disposable" property and impulse buying. People who scrimped and saved to buy the dog of their dreams usually make the better home. I would rather a pup go to a good working home have good care and a proper life and should the unfortunate happen (say over a $2500) surgery, they elect the dog be put down, I'm ok with that. The dog had a better life than the dog sold to a $$$ home, kept in a small area, played with 30 min. a day and otherwise ignored by the very busy multi-income family with cash to burn.

I guess I am just saying there is no easy answer. Should you take payments from any shmo?...no, but payments do not equate a bad home or an inability to care for your dog. I come from a working dog background and they are more loose on $$ vs. a good home. I would give my best dog to a good home for free before a home with cash waved in my face and a questionable home life. I would not buy a dog from someone I don't "personally" know either. So my thoughts are skewed on that as well. If someone is calling from a paper add to buy a dog, than yea you probably want the money up front, however they are probably not the breeders I would be buying from in the first place.

 

[Jadotha]

Re: "installment payment" on Puppies

For me it would be situational -- certainly not a standard payment option. I am aligned with others that if I were convinced the potential buyers could provide an excellent home, and had a reasonable explanation for cash flow issues, I would certainly consider it.

I've never bred dogs, but I did have an Arabian breeding and showing stables in a past 'incarnation', and I sold several rather expensive horses on installment plans -- primarily to young people who were totally deeicated to horses and had a dream of owning a that special horse or beginning a breeding operation. I never once had reason to regret it.

 

[chuckorlando]

Re: "installment payment" on Puppies

Very good points

I think it depends on the relationship you have with the breeder and what you are buying.

I think for the most part all dogs should be paid in full before leaving. However as far as payments... nothing is guaranteed. I paid for my first dog in full from my breeder, however I am thinking of co-owning an import stud or bitch in the next year or so. It is over $6000.00 I don't have that, I will be making payments after I receive the dog along with costs of traveling. I have known my breeder for over 6 years and have a good friendship and this would be more of a business transaction with a fellow owner. You also have to take in account breeding dogs and co-own dogs. There are many "deals" that happen. A bitch they want to co-own and grow out at your home and see if she turns into a quality dog. They may breed her with a puppy back agreement to further the lines. One of my dogs breeders also co-owns all show dogs until they earn their championship and pass all required testing. At that time additional money and/or transfer of sole ownership may take place.

In the US..tax time (Feb-June) people have an influx of money. People can buy all sorts of things they can't throughout the year. You can't equate fast $$$ with a good home. I know that many people have access to cash and can buy any puppy. However easy money leads to "disposable" property and impulse buying. People who scrimped and saved to buy the dog of their dreams usually make the better home. I would rather a pup go to a good working home have good care and a proper life and should the unfortunate happen (say over a $2500) surgery, they elect the dog be put down, I'm ok with that. The dog had a better life than the dog sold to a $$$ home, kept in a small area, played with 30 min. a day and otherwise ignored by the very busy multi-income family with cash to burn.

I guess I am just saying there is no easy answer. Should you take payments from any shmo?...no, but payments do not equate a bad home or an inability to care for your dog. I come from a working dog background and they are more loose on $$ vs. a good home. I would give my best dog to a good home for free before a home with cash waved in my face and a questionable home life. I would not buy a dog from someone I don't "personally" know either. So my thoughts are skewed on that as well. If someone is calling from a paper add to buy a dog, than yea you probably want the money up front, however they are probably not the breeders I would be buying from in the first place.

---------- Post added at 05:38 PM ---------- Previous post was at 05:37 PM ----------

Very good points

 

[chuckorlando]

Re: "installment payment" on Puppies

Very good points