Don't let cost stand in the way of your pet's health. Scratchpay veterinary financing makes pet care affordable with flexible payment plans for dogs, cats, and all your beloved pets.
Scratchpay finance solutions help millions of pet owners access quality veterinary care. From routine check-ups to emergency surgeries, we make pet healthcare affordable.
Comprehensive financing for all dog-related veterinary needs - from puppy vaccinations to senior care and emergency treatments.
Specialized payment plans for feline care including spaying/neutering, dental cleaning, and chronic condition management.
Get approved for Scratchpay veterinary financing in seconds, not days. No waiting when your pet needs immediate care.
Choose from multiple Scratchpay payment plan options: 6, 12, 18, or 24-month terms to fit your budget.
Apply for Scratchpay vet financing online or at your veterinarian's office. Simple, secure, and fast approval process.
Scratchpay partners with thousands of veterinary clinics, animal hospitals, and pet care providers across the country.
Getting Scratchpay veterinary financing is simple and straightforward. Here's how Scratch Financial makes pet care affordable:
Fill out the simple Scratchpay application online or at your vet's office. Takes just 2 minutes with basic information.
Receive your Scratchpay approval decision in seconds. Know your payment options before your pet's treatment begins.
Select the Scratchpay payment plan that works for your budget. Flexible terms from 6 to 24 months available.
Your pet receives immediate care while you make manageable monthly payments through your Scratchpay account.
Scratchpay veterinary financing is accepted at thousands of locations nationwide. Find a Scratchpay vet near you:
850+ locations accepting Scratchpay for routine and emergency pet care nationwide.
100+ specialty and emergency hospitals offering Scratchpay payment plans for critical care.
Affordable veterinary care with Scratchpay financing options for dogs and cats.
Full-service veterinary care at Petco locations with Scratchpay financing available.
24/7 emergency veterinary clinics accepting Scratchpay for urgent pet care needs.
Thousands of independent veterinary practices partner with Scratchpay nationwide.
Scratchpay has helped thousands of pet owners access life-saving veterinary care. Here are real stories from grateful pet parents:
"Max swallowed a toy and needed emergency surgery immediately. We didn't have $4,200 saved up, but Scratchpay approved us in seconds! Max is healthy and happy thanks to Scratchpay making the surgery possible."
"When Luna was diagnosed with cancer, I thought I'd lose her because I couldn't afford the $6,800 treatment. Scratchpay for cats made it possible to start chemotherapy immediately. Luna is now in remission!"
"Rex tore his ACL playing at the park. The surgery was $3,500 and we were quoted 6 months to save up. Scratchpay veterinary financing let us get the surgery done immediately. Rex is running again!"
"Whiskers needed extensive dental work including tooth extractions. The $2,100 procedure was approved through Scratchpay in seconds. Now Whiskers can eat comfortably again and his breath doesn't smell!"
"Bella's breathing problems required urgent surgery to open her airways. The $5,200 surgery was life-saving but expensive. Scratchpay payment plans made it affordable and Bella can breathe normally now!"
"Duke's hip dysplasia was causing him daily pain. The treatment plan cost $4,800 but Scratchpay made it possible to start treatment immediately. Duke is pain-free and playing fetch again!"
Scratchpay is a veterinary financing company that provides payment plans for pet care. You apply online or at your vet's office, get instant approval, choose your payment plan (6-24 months), and your pet receives immediate treatment while you make affordable monthly payments.
Scratchpay doesn't have a strict minimum credit score requirement. They consider multiple factors including income, employment history, and overall financial picture. Some approvals are possible with credit scores as low as 550, though higher scores typically receive better terms.
While Scratchpay doesn't publish a minimum credit score, most approvals occur with scores above 580. However, they use alternative underwriting methods, so even applicants with lower scores may qualify based on income, banking history, and other factors.
You can make Scratchpay payments online through your account portal, by phone, or through automatic bank draft. Payments are typically due monthly, and you'll receive reminders via email and text message.
Scratchpay and CareCredit serve similar purposes but have different approval criteria and terms. Scratchpay often approves applicants who don't qualify for CareCredit and offers more flexible underwriting. CareCredit may offer promotional 0% periods. Many vets accept both, so you can apply to whichever offers better terms for your situation.
Scratchpay can be used for any veterinary treatment at participating clinics including: routine checkups, vaccinations, dental cleanings, surgeries, emergency care, diagnostics, medications, specialist treatments, and preventive care for dogs, cats, and other pets.
Scratchpay approval typically takes seconds to a few minutes. The application is quick (2-3 minutes) and you'll receive an instant decision in most cases. If additional verification is needed, it may take up to 24 hours.
The choice depends on your credit profile and needs. Scratchpay: easier approval, more flexible underwriting, good for lower credit scores. CareCredit: larger network, promotional 0% periods, requires better credit. Many applicants apply to both to see which offers better terms.