Welcome to Scratch

Simple, pet friendly
payment plans

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This does not affect your credit score.

Getting Help with an Unexpected Veterinary Bill has Never Been Easier

Pets are family. When they get sick or hurt, we’d do anything to make them better. But that anything usually comes with a high cost.

How it Works

We at Scratch know that the high cost of pet ownership can create financial hardship for loving pet owners. That’s why we’re here to help.

In 2 minutes

Choose your vet from our list of partners. Complete a brief application to determine financing eligibility.

3 payment options

From 0 to 12 months, select the payment plan that works with your budget.

As low as 5.9% APR

With the most approvals and the lowest APRs for bills between $200 and $10,000, we’ve got you and your pets covered.

Want to know more?

Visit our FAQs


We leverage online data to quickly assess risk, determine a credit rating, and assign appropriate interest rates.

Upon approval, your vet is paid and your pet gets the care they need. There are no hidden fees or retroactive interest charges – just simple, affordable options for pet owners in need.


We wanted a better way to pay for large pet expenses. So we made one.

We're a team of finance experts, data scientists, and pet lovers tackling one of the toughest problems pet owners face. With our expertise in financial technology and a deep understanding of the veterinary industry, we're reinventing how to manage your unforeseen pet expenses.


John Keatley

John Keatley, Co-founder and CEO

Deep experience in financial technology and consumer lending, previously CFO of Klarna and Green Dot. Member of Green Dot's senior team that grew the business from start-up through IPO.

Caleb Morse

Caleb Morse, Co-founder and COO

Seasoned financial technology and growth company executive, previously at Green Dot Corporation and the nation's largest home staging and design firm. Passionate about driving growth and innovation.

Lou Gatto

Lou Gatto, Strategic Advisor

37 year veteran of the veterinary industry. Founding partner of Gatto McFerson (CPA firm for vets), and owner of many animal hospitals. Dedicated to helping pets receive great care and helping vets build great businesses.


Scratch is a veterinary bill solution for pet owners, by pet owners.
We’d love to hear from you!

Send feedback, thoughts, or cute pictures of your furry friends to:

Text or call: 855-727-2395

Fax: 213-402-6975

Email: support@scratchpay.com