Having scratch pay is such a blessing. Easy to apply and the payment plan is fantastic. App is very easy to use and the process is quick. I highly recommend this service.

When my little Shih-poo broke his leg I knew he would need surgery. I knew I could make payments and pay it off but I didn't have money in the bank to cover all of his medical bills. That's when Scratchpay came in to save the day. I was able to make reasonable payments and extra payments and paid off the balance before accruing any interest. Thank you Scratchpay!!! My Shih-poo is all better and I had zero stress knowing I didn't have to worry about the bill!

Very easy and professional.

This is my 2nd experience with Scratchpay and I am very happy with their payment plan. Its affordable and I would use them again. Thank you.

Once again thank you for the opportunity to be able to provide outstanding care for my pet through our local vet with this program, without it despite working full time I would be unable to financially do some of the necessary regular care for my furbabies Tank & Grace and My late Spook ScratchPay has given me the same ability to give them the best care and quality of life with affordable monthly payments based off the total cost of treatment provided at the time of applying for each plan and it has been absolutely wonderful!!! I have now paid off 4 plans through this and couldn’t be more thankful and would recommend it to anyone that’s thought about using it

Scratch pay is a great alternative when faced with expensive vet bills. The fact they give you so much time to pay off the plan without interest is beyond generous and I couldn’t have afforded my pets healthcare without them. Gene the tuxedo cat and I thank you

Great service. Easy and convenient

Where do I begin? I recently applied for my 5th loan when my dog was diagnosed with cancer. I knew that Scratchpay would be my best choice for financing and was approved immediately, allowing me to shift my focus back to my sweet girl. Scratchpay is beyond easy, fair and affordable, which is why I will always return to them as my first line of defense. I am constantly recommending them to people because I know that in a time of stress and/or crisis, when the vet bills will be overwhelming, they will take that burden off the table. Scratchpay is the absolute best choice for me and my beloved pets. I am forever grateful. 🙏🏻

This company was very easy to work with easy approval process and easy payment set up and plan.

Great experience. Glad this was an option for a big vet bill.

Getting approval is a fast and easy process, which is much appreciated when you're under stress! While I didn't have a positive outcome with my furbaby, I wouldn't even had been able to try without Scratchpay. The no interest if paid in a set amount of months is excellent - saves a ton of money while covering a large, unexpected expense. Cons: site doesn't allow payments to be made on multiple loans at one time (which is necessary if multiple vet bills occur in an emergency) to avoid processing fees; they require you to re-apply instead of just increasing a requested amount; high interest rates if don't payoff in allotted time.

I don’t like that you set payments up for less than the amount required to pay off in time so no interest is due. I have to make extra payments and am afraid I’ll forget. If you are forcing this on people let us know. I had to figure this out myself. Seems tricky so you can get all that interest money

Vet bills are not cheap. And when your pet needs medical care, it's SO nice to have this option to take away that part of the stress. No interest and very easy to use. Thanks Scratchpay.

The approval process was quick and I was able to fund my fur baby's treatment promptly. The monthly payments were also manageable.

Life saver when my baby girl had to have emergency surgery! Multiple payment options to fit my budget! Will definitely use again if needed!

I'm very grateful for scratchpay for making it possible for me to take my fur baby to the vet for care. Reasonable payments. And they work with most veterinary services. I highly recommend.

Easy payments and quick apply and approval

Very quick application . Very satisfied with Scratchpay crew. Only complaint was high interest rate. First time users have an option but is confusing being the 0 percent offer payment turned out to be same amount as pay over time, only you pay more if you dont choose it,with the high interest rate even though i have a very good credit score. I would have choose the interest free if i had known the interest rate. Scratchpay rules for customer service.

My experience was like non other. Everything was easy and payments went smoothly. Thank You for helping me out when needed, for my dogs vet bill...

Fine for what is it. Wish they were more transparent about the "12 months no interest". Unable to change automatic payment amount. Very frustrating. Glad to be done with this company