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Scratchpay provides pet parents with simple & friendly payment plans for veterinary care. High approvals, no hidden fees, no surprises.
Reviews 990
Angela F.
Mar 22,2024This is an amazing program. I have been able to get my dog his lifesaving meds because of it!! Thank You!!
Bradhadaire Sgath
Mar 22,2024My Vet recommended Scratchpay when I told them my Credit is bad. They said Scratchpay is 'Easier' to get. So, I tried...and was denied. And now my cat, whom I've had since he was a kitten...will suffer. He needs imaging done. I already owe $200, that I'm making payments on. This imaging will cost an additional $435. I am on a fixed income, and therefore can't afford these costs. And on top of all of this, I have to find a new home. Scratchpay's FAQ's say they are geared toward those with low Credit, but that's a lie. My lowest is just barely under 500, the rest is above. I've been with the same car company for 5yrs. Payments are always up to date and on time. This company didn't even take the time to ask questions. They just assume with a low credit, that I'd not pay or something, and denied me. I see that as discrimination. I contacted Scratchpay personally. They tell me because my credit score is too low they cannot help, yet they are supposed to be geared toward those with low or bad credit. I told them they need to change their FAQ's to reflect what they really do. Also, they don't do soft pulls on your credit, it is a hard pull despite what their FAQ's claim. If I can find a way to get them charged with discrimination, I shall be doing so.
Misty Wadzeck
Mar 21,2024Thank you for enabling our dog to receive the care she needed
Missy Udell
Mar 21,2024Really happy with this program. I was able to have my cat's rotten teeth removed which cost $1,200 I didn't have at the time. Just paid it off and didn't pay a cent in interest. Will definitely use again. Thanks scratchpay!!
Loretta
Mar 21,2024Scratchpay is the best! Simple and easy to apply. I was able to get my cat the surgery he needed and make payments that were reasonable. Also saved some $$ by paying it off within the first 6 months interest free! Thanks Scratchpay!
Jason Smith
Mar 21,2024Didn't have all the money to pay for anti venom. Thank you scratch pay.
Crystal Dakroub
Mar 20,2024Predatory lending at its finest. It was great to be able to get the loan to treat my cat but they make it difficult to pay off early. If you make extra payments it doesn't continue to take your scheduled payments, it marks them paid and moves your payment date to the next month. So you think you're getting ahead when infact you're not. I had to keep logging in and making the the scheduled payment since it wouldn't continue to take the payment. So pay attention if you're trying to do the 90 day plan!
eliana morris
Mar 19,2024The support given to make this option available and the support given so that I could follow instructions saved my cat's life. I am so grateful for this option of taking out loan at the very moment my cat was in surgery.
Richard Molina
Mar 19,2024Like any other loan do your best to make sure you can pay it off within the time window to avoid interest, but I can not thank these guys enough for helping me save my cat.
Luis Lopez
Mar 19,2024thank you for the help, it helped save a dgo's life.
Chelsea
Mar 19,2024This was such a blessing being able to use Scratchpay. It was easy and user friendly to use. Would defintely use again. (Hopefully no need to). Would recommend!
K Fo
Mar 19,2024Scratch pay was perfect for my unexpected vet bill. I was able to get pre-approved in seconds from the vet’s office. I even had a promotional offer for no interest! Everything was seamless and I appreciate the ability to get the credit I needed in a pinch.
Melissa Werkema
Mar 18,2024Really helped in our familys time of need. THANK YOU SO MUCH !!
taylor Gladue
Mar 18,2024Makes paying these high vet bills easier
Paul Sannes
Mar 17,2024Easy to borrow so we could pay for medical for our cat to save his life. I’m thankful for the ease to setup and I was able to pay of a little early.
Renee Callihoo
Mar 16,2024I am grateful for the scratchpay option. This allowed us to treat our kitty who was blocked. Without it, we would have had to put him down.
B L Betancourt
Mar 16,2024This was so helpful for paying off my pups vet bills during an unexpected emergency. This was truly a life saver at a time when I just did not have the funds nor the means to quickly gather the money needed to help my fur baby in their time of need. I would definitely recommend Scratchpay to the moon and back to anyone who wants to help their pet without sacrificing the rest. Thank you!!!!
JK Sampley
Mar 15,2024Scratch Pay helps when things are tough financially and you want to do everything you can for your beloved fur-family members. I so appreciate the interest-free window which has helped to motivate me to pay the loan off quickly. Thank you so much for your help when help was needed.
Kari Chantell Austin
Mar 14,2024This was my 3rd loan. I honestly couldn't care for my pets without it and I do recommend it to anyone who needs the help.
Melody Cauthon
Mar 23,2024The approval process was quick and easy. The payments are reasonable and they offer a no interest option if paid by a certain time frame. They offer autopsy. And the payment process is super easy and user friendly! This was my third time utilizing Scratchpay.