Scratchpay for Dogs

From playful puppies to senior companions, ensure your dog gets the best care with flexible financing. Cover routine care, emergencies, and everything in between with affordable monthly payments.

Apply for Dog Care Financing

Dog Care Services Covered

Scratchpay covers all types of dog healthcare needs at participating veterinary clinics

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Routine Wellness

Annual exams, vaccinations, heartworm prevention, flea and tick protection, and regular health checkups for all life stages.

$150 - $400
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Dental Care

Professional cleanings, tooth extractions, periodontal treatment, and oral surgery to keep your dog's teeth healthy.

$500 - $1,500
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Emergency Care

Accident treatment, poisoning, bloat, foreign object removal, and urgent medical situations that can't wait.

$800 - $5,000+
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Surgery

Spay/neuter, ACL repair, tumor removal, orthopedic procedures, and both routine and complex surgeries.

$800 - $8,000+
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Diagnostics

X-rays, ultrasounds, blood work, MRI, CT scans, and comprehensive diagnostic testing for health issues.

$200 - $3,000
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Chronic Conditions

Diabetes, arthritis, heart disease, allergies, cancer treatment, and ongoing management of chronic health issues.

$300 - $2,000/month

Real Dog Care Cost Examples

See how Scratchpay makes expensive dog treatments affordable with flexible payment plans

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Max - Golden Retriever

3 years old â€Ē Emergency Surgery
Treatment: Emergency foreign object removal surgery after eating a tennis ball
Emergency exam & X-rays $650
Anesthesia & surgery $2,800
Hospitalization (2 days) $600
Medications & follow-up $350
Total Cost $4,400
$183/month for 24 months
Instead of $4,400 upfront
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Bella - French Bulldog

5 years old â€Ē Breathing Surgery
Treatment: Soft palate surgery to improve breathing in flat-faced breed
Pre-surgical consultation $200
BOAS surgery procedure $3,200
Recovery & monitoring $400
Post-op medications $200
Total Cost $4,000
$167/month for 24 months
Instead of $4,000 upfront
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Rex - German Shepherd

7 years old â€Ē ACL Surgery
Treatment: ACL tear repair with TPLO surgery for return to normal activity
Orthopedic consultation $300
TPLO surgery $4,200
Physical therapy (8 weeks) $800
Follow-up X-rays $400
Total Cost $5,700
$238/month for 24 months
Instead of $5,700 upfront
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Luna - Mixed Breed

4 years old â€Ē Cancer Treatment
Treatment: Mast cell tumor removal and chemotherapy treatment plan
Biopsy & staging $800
Tumor removal surgery $2,400
Chemotherapy (6 months) $3,600
Follow-up care $600
Total Cost $7,400
$308/month for 24 months
Instead of $7,400 upfront

Why Choose Scratchpay for Your Dog

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Instant Approval

Get approved in seconds, not days. Perfect for emergency situations when your dog needs immediate care.

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Flexible Payment Plans

Choose 6, 12, 18, or 24-month payment plans that fit your budget for any dog care expense.

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All Dog Care Covered

From routine puppy vaccinations to complex senior dog surgeries - we cover all dog healthcare needs.

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Nationwide Network

Accepted at thousands of veterinary clinics specializing in dog care across the United States.

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No Prepayment Penalties

Pay off your dog's treatment plan early without any additional fees to save on interest.

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Easy Credit Approval

Our alternative underwriting helps more dog parents get approved, even with less-than-perfect credit.

Your Dog Deserves the Best Care

Don't let cost prevent your furry friend from getting the treatment they need. Apply for Scratchpay dog financing today.

Apply for Dog Financing Find a Dog-Friendly Vet