Quick to apply. Easy to understand plans and affordable payments.

Thank you for being there when I needed help. My dog would not be alive if I didn't have this as an option & I am forever grateful. Thank you

The fact that this company SKIPS PAYMENTS (without notifying the customer) if you pay more than your monthly amount is downright devious considering all it does it allow them to take more money from you by ensuring you end up owing them interest. The app is rudimentary to the point of frustration, but I was stuck with it because there was no option to talk to a human being. Frankly, using this service was a worse experience than rushing my dog to critical care and getting a big expensive bill at the end. I owed these people even more money thanks to their shady practices. This service should be an absolute last resort and I hope to never need it again.

Scratchpay made it possible for me to try to save my beloved Zackariah after he was mauled by a vicious dog. Zackariah was my ride or die and Scratchpay was there when we needed.

I am glad they were able to help me at a time that was crucial for us. I only wish the repayment time frame was longer than 12 months. The high payment made my budget really tight, especially since we have limited income.

Thank you Scratchpay for helping me take care of my cat with this loan. Easy application and instantly approved.

When I say this up, I was told I would pay $57.25 per month until it was paid off. I call and Lolita who refused to say where she is located said it had to be paid off in 6 months and because it wasn't, an interest rate of 29.90% interest was backdated to the beginning of the loan. I am livid because if I knew that, it would have been paid off. I feel I was exploited.

Thanks for the loan.

Worst company I have ever dealt with. Never again.

It was an easy loan to get. I was ONE day late on making my final payment before the 29.99% interest started. Instead of having a final payment of $274 I had one for $423. Not one day more of grace.

They were there when I really needed them. For sure recommend their company and wouldn't hesitate to use them again.

Scratchpay, was very user friendly to apply for a loan when our beloved pet was in an emergency health crisis and we needed to access money quickly to ensure she had the medical services she needed. Upon initial application they even let is know how much more we could access if needed. I would highly recommend them!!

Good plan we you need to take care of your fur baby

Scratch worked great when our dog needed to see a vet for emergency. Made it easy and convenient for us to set up and pay

My Chihuahua was in dire need of surgery and I had no idea how I would pay for it. The vet recommended Scratch Pay and it was so easy to apply and be approved. Thank you so much for offering this service when emotions are raw and help is needed.

Easy peezy. Scratchpay made this unexpected and emotional purchase as painless as possible.

Highly recommend! Scratchpay was the perfect option for me when I found myself with a much needed dental surgery for my pup. Easy setup and financing within minutes. I couldn't be more pleased!

Friendly and helpful people

Scratchpay was a life saver at a very scary time for me and my buddy Bo. They offered a quick and easy approval process, as well as promo’s that help you avoid interest fees. I highly recommend Scratch Pay for you and your pets health and security!

Love them I got my mom to apply for the loan so my dog can get surgery and the process of filling out the loan was easy but I wish that the company would approve people with less than perfect credit so so people like myself don't have to ask somebody to apply for it for them especially if they're planning on paying for it I just paid off the loan after one year