Always available in times of need without doubt.

Being approved and able to care for my pet

Unbelievable! I had never heard of scratch pay until the receptionist recommended it. I was super skeptical & thought I would never get approved. My credit score needed some work. So I was very skeptical, 99% thinking I would be denied. But shockingly was approved. In a matter of minutes. I had only applied for a fraction of what was really needed, thinking the smaller loan amount would have a better chance of being approved. So after finding out it was approved, I re applied immediately for the larger portion of the bill! To my amazement both loans were approved!! I can’t say enough how much this has helped us out. The stress alone of trying to come up with so much money was unbearable. So yeah Scratchpay is definitely one of the best companies I’ve ever used. The entire process was exactly like advertised. No hidden fees, no impact on my credit & no interest if you payoff within the promotional period. Everything was upfront & no surprises. Literally a matter of minutes from the time I applied to the time the funds reached our veterinary office. I never expected that visit at our vet to end up costing sooo much. Thank God this was an option!!

We received a beautiful little Yorky, who was extremely sick. We took him to the vet and they called us after having him for several days and indicated that he had to have emergency surgery and it was going to cost more than what we were able to pay out of pocket, they suggested scratch pay. I am so glad they did! We were able to apply and receive immediate funds in order to pay for the surgery and save our sweet little dog. I highly recommend Scratch Pay.

Scratchpay made it easy for me to get emergency vet care for my dog. The only thing I would change is how their website lists payment due dates after extra payments are made: if I pay ahead, it shows the next payment due months later rather than the next month.

I've used Scratchpay to finance vet care and it is easy to apply with an immediate decision on the loan. I was apprehensive the first time and was pleasantly surprised at how easy everything went from applying until it was paid off. I've since used them 5 more times and everything's been great. I had to speak with customer service at one point and they were very pleasant and helpful. It's easy to make online payments and they're actually affordable with the option of not even paying interest on the money financed. All stress is relieved knowing I have them as an easy and immediate financing option when needed. I highly recommend!

Easy application and payment process. No prepayment penalty and good communication.

Thank you for allowing me to pay for vet expenses and groceries during this challenging economy.

Thankful for Scratchpay, it made life easier knowing I could afford my fur baby's care with easy payment plans.

Thank you for being there for our Pup! Without Scratch the experience have been a whole lot lore stressful.

The application process is simple and you get a quick decision. That’s exactly what I needed to pay for an emergency room care for my dog. The only trick (and therefore only 4 of 5 stars): they set up installments for 12 months automatically. But from the 7th month on, you start paying APR. The online system doesn’t allow you to change the monthly autopay amount. Therefore, you have to pay manually on top to use the 0% APR offer, if paid off within 6 months

Read the fine print! I am thankful that Scratchpay was there when I had an unexpected vet bill. However, soon after getting the loan, I made a $1,000+ payment and thought that was the end of my loan. I didn't notice (shame on me) that I was supposed to click a "payoff loan button." I still had to pay $115 in interest for the final $10 that I didn't notice I needed to pay because I didn't pay off the full loan during the early payoff time. Read the fine print!

Scratchpay was there for me when I was in distress with the possiblity of losing my kitten. Because Scratchpay approved my loan, I was able to pay for the emergency visit to the Vet and save my kitten from euthanasia or a possible slow and painful death. Thank you so very much, Scratchpay!!

It was there when we needed it .

Scratch Pay is very easy and convenient to use. A great help when you may not have the all funds for your fur baby.

What an awesome company, I would definitely work with them again . They were a big help when my pet was sick . They really work with you. Highly recommend

My daughter's pooch needed urgent care after being attacked by another dog. The Vet's bill was substantial and offered Scratchpay as a way to spread the payments to ease the financial burden. I found Scratchpay to be very useful and convenient to obtain. Thank you.

I don't give 5/5, but Scratchpay was there for my family, when we had no further options but to euthanize our dog. When finances got tricky around the holidays, I was able to speak with an actual human, who helped avoid late fees, with no hassle! The account management was very user-friendly, and simple to navigate. While I hope to never be in this sort of situation again, but I'm grateful a company like this exists.

My nieces dog had cancer and needed surgery asap. She got a quote from the vet and within 10 minutes of applying, which was very simple, I was approved. I only had to pay $15 up front and monthly payments. They paid the vet directly. I got monthly reminders so I never forgot, or you can set up auto pay. I would definitely recommend.

I am grateful for this service because it truly helps in the event of an emergency with my fur babies. Thank you!