Easy, affordable, and great customer service!!! What a great option to have for financing the care I needed! Thank you Scratch!!

It was easy and all interest and fees were upfront. They even give you regular reminders and an opportunity to pay off the debt early without interest. Thank you! Easy to pay off and saved my dog's life.

It is affordable and it is great to be able to make payments and not have to pay up front

I feel very grateful for this opportunity to give me the opportunity to take care of my teeth.

Easy to use great plans and easy to pay

Scratchpay really came in handy when my puppy needed surgery and I wasn’t able to pay it all upfront, it was an easy application with a rapid response. I truly appreciate the efficiency of the program.

allowed us to split payments & not letting your system stop from auto pay the following month. i got hit with interest because the system didnt do auto payment of $15 last payment- i owed $73 something of interest just because the system didnt do auto payment on last month.

Fantastic experience. Allows to me to take care of my dog no matter the cost. I am very grateful for this payment plan. Highly recommend!

There are literally no complaints with this service. 100% recommend and would use again.

The seamless availability of credit when we had received difficult news about our pet was very helpful in a stressful time. However, the inability to set reoccurring payments that could pay off by the no interest period is an unnecessary hurdle. We had to set external reminders to make sure we paid off in time.

This plan helped me afford the care I needed immediately and was affordable. I am grateful for this loan. You're doing a great service to those who need it.

Easy to work with. Expedient feedback and release of funds during a stressful time. Will use again.

Great programs quick approval help always available. I will use again. Thanks

This is such a an easy way to pay for large vet bills. I needed to keep my little girl healthy and this made it so much easier. Thank you Scratchpay!

Scratchpay is a godsend! The process of applying and knowing if accepted to being given an instant quote of what you can qualify for, at a very difficult time in life when you realize your furrbaby can no longer walk on the earth with you. Living life is getting to be more of a struggle finacially and having the option to use Scratchpay to ease this burden is truly a blessing! We would definitely recommend Scratchpay to anyone who needs help to get through the day to day expenses of living! The best affordable plan when you need it for your beautiful pets❤️

Be aware that this personal loan shows up on your credit report. Fortunately I paid on time through the life of the loan but just know that this company is unlike Affirm, After pay or PayPal pay in 4. If God forbid you run into an issue and miss a payment, your credit score will be negatively affected!! Also, what was really maddening, was I signed up to pay through my bank account because it avoids a service fee. I was unable to make the payments go through this way (even after calling customer service multiple times) and was forced to pay with a credit card which tacked on a few more dollars in service fees every payment!!! Not happy! Why would they charge a service fee when they already were making an exhorbadant amount of interest to begin with?! I feel this company preys on the vulnerable when you're in a tough situation with a sick pet. Next time I will definitely look for another option.

This is the second time I used Scratcpay. The service is easy to use. And for this most recent loan, the interest rate was much better than Care Credit.

Thanks to ScratchPay, we never would have been able to attempt to save our girl, Amora. Unfortunately the outcome wasn't what we wanted but we can say that we gave it our all thanks to ScratchPay. Applying and making payments was very simple and I would highly recommend ScratchPay!

This service SAVED my wallet when I had to take my poor Gigi to the vet! It went through right away! Even though we ended up receiving terrible tragic news about my baby, this part of the experience helped make it not even worse!

Scratch pay is a life saver! Their system is super easy to use and quick too! They always come in clutch and allow for easy repayment plans. Thank you Scratch!