Scratch Financial was founded with a simple belief: no pet should suffer because their owner can't afford veterinary care. We saw countless families facing impossible choices between their financial stability and their beloved pet's health.
Traditional financing options often failed pet owners when they needed help most. Banks required perfect credit, lengthy approval processes created delays in emergency situations, and high interest rates made treatment unaffordable for many families.
That's why we created Scratchpay - a revolutionary approach to veterinary financing that uses innovative underwriting technology to approve more pet owners, provides instant decisions when time is critical, and offers flexible payment plans that fit real budgets.
Today, Scratch Financial is the leading provider of veterinary financing solutions, helping over 500,000 pets receive the care they need while keeping families financially stable.