My Experience with Scratch Pay was fabulous! I will definitely use them again!

Very predatory. My husband asked for a $4K loan and was given $5K (we did not want 5). You get 6 months interest free if you set up autopay upon signing up, but it set you up for 12 month repayment without being clear about it. If you don't double check it you will not repay the loan back in time and be hit with interest fees. You also cannot adjust the payment schedule, so now we have to go in manually every month to pay off more to make sure we don't hit the 6 month mark. It is one thing to have fine print but a whole other to trick someone into owing interest due to your autopayment schedule which sets people up to fail.

I’m so grateful scratch pay was available for the veterinary emergency. I don’t know what I would have done without!

Thank you for the loan to save my dogs life!

I am so grateful for scratch pay. My dog needed an emergency surgery and without them I wouldn't have been able to do it and I would be without a puppy today. But now she's in great shape and I am so grateful. Thank you. Scratch pay for trusting us.

Our dog was diagnosed with cancer and required specialist appointments and assessments. We already had an account open with Care Credit but, it was not enough to cover the vet bills. Our veterinary clinic suggested Scratchpay so, we applied. I am so happy we did. It enabled us to get all the services and care we needed for our dog and really put our minds at ease. They are so easy to work with and offer different options to pay off the amount you need with as little to no interest, based on your circumstances. So thankful for the assistance at a time in our lives that was so difficult to navigate. Thank you for your support and assistance. Our family is forever grateful.

Appreciate the assistance so my dogs could get the necessary medical services. I would have liked to have been able to set up an ach but it never seemed to work properly. Otherwise it was great!

Thank you Scratchpay for helping with my pet emergency!!!

Easy to use the app, gives people the option to pay off either monthly or however much they want whenever. Found it really helpful to use Scratchpay so that I didn’t have to pay a large lump sum of money for my dog’s procedure all at once. Interest does accumulate every day, but I believe there is a zero interest promotion if the loan is paid off within 6 months.

Quick funds and reasonable payment plan

In a desperate time of need, Scratchpay has been there for me, and I am sure they will be again! Thank you very much for your easy and convenient services.

Very thankful for scratch saved my cats life

This loan helped me out when I needed it the most. Super easy to make a payment with the app. Will definitely use again if needed. Thank you for helping me with my fur babies

Scratchpay is a lifesaver. It helped me through a few minor pet emergencies and it’s so user friendly. I will only use them going forward. Not sure what specific date (this review system asks), but I’ve held a total of 6 small loans $643 being largest and only 4 loans I am still paying on.

I would have never been able to save my baby if not for scratch pay! It was easy and convenient, the payment plan wasn't hard to manage either. I'm so thankful for scratch pay!

This helped out making monthly payments thank you

If you’re not sure you have enough funds to cover the cost fur your 4 legged loved one, Scratchpay is a sure fire way to help you and your family loved pet get the care that it needs, even if your credit isn’t the greatest.

Scratchpay helped me pay for the expenses of the vet and funerals of my life partner my little husky, I will always be grateful for the help they gave me when I need it

This was so easy and took a lot off my shoulders knowing i could pay monthly, at 0% interest, great plan! And the best part, my pupper survived and is thriving. Thank you!!

We used Scratchpay during a sad time when we needed to save our kitties life. Thank you Scratchpay for giving us a way to pay for treatment!