After careful consideration I decided to go with Terrace Pets for anyone needing/wanting financing. I chose this company because after comparing them to others, they seemed the best way to go for me and any future puppy homes. They work with people even with low credit scores; they do not offer "fast approval". They will actually contact you and make sure you fully understand what you are signing up for as far as interest rates/fees etc before the sale is complete. Their parent company has been around and financing pets/products for years, but just recently started a separate pet department.
If you have paypal, you can still purchase using PayPal credit. I just feel you may have a better chance of a lower interest rate through Terrace Pets.