Scratch pay SAVED ME!! Im so grateful I found this when I had to scatter to come up with $3,000 for my kitties emergency surgery to remove crazy bladder stones in her bladder. Wouldn’t have been able to do it without scratch pay. And paid it off before any interest!

I love how convenient it was to apply and pay for an unexpected visit to the vet through Scratch Pay! The payment plans are very convenient and reasonable. I would recommend Scratch Pay to any pet parent or person.

This company came through during a difficult time and made it easy and fair to pay

Overall this was like any other payment plan. However this payment plant hits your credit affirm or klarna unless you don’t pay of course. But this one hits your credit hard which is why I’m giving 3 stars. If it didn’t then I’d give 5.

This payment option came in handy when my pet needed emergency vet care!

Fast, easy, convenient

It was convenient to get at the time, but this company is playing games. I set up automatic payments to come out every month. I’m glad that I would go in and check here and there, because instead of taking out the amount that was agreed-upon, less was taken out. Therefore, more interest was being added. (Ie. Instead of $57 only $15 would be taken out)

A convenient way to take care of vet bills when you are between paychecks!

My experience with scratch pay was wonderful! I had some issues and was not able to make payment and they were so responsive and helpful. They are a wonderful and highly recommended.

I'm extremely satisfied with Scratchpay. They have always helped us when I needed some extra financial help for my pets. Everything is straightforward when you apply, and you get a response pretty quickly. I definitely recommend.

Easy to use and extremely helpful loan that allows for a generous window of installment payments without any interest.

Scratchpay is predatory. I cannot recommend using Scratchpay as their lending practice is predatory. They claim to have 0% interest if you pay off the loan, however they automatically schedule payments to take longer than the term for 0%. This would make it so you pay interest for anyone who simply follows their "recommended" payment schedule. They also make it impossible to change the payment schedule meaning you are very likely to end up paying their outrageous interest rates. If you can use another service like CareCredit.

The funding processes was simple and easy and this is a great service. However paying back the loan was extremely difficult. Every payment I had to set up a new checking checking account. Thankfully I had enough checking accounts that I didn't have to open any, but they really need to fix the payment process.

Fantastic experience! Appreciated the help from Scratchpay when having a pet emergency.

Was wonderful to have help for our fur baby when we needed it

Easy and convenient

Thank you Scratchpay! You helped so much during my emergency pet needs and major unexpected expense and I was able to save his life!. Thank you

Loved how easy it was to apply and given a great payment plan too. Thank you.

Thanks guys! Life saver...again!

I love ScratchPay, it has saved my butt so many times. Super accessible in a jiffy, and easy to make payments on. Thanks ScratchPay!!