Get care now, pay later.
Find a payment plan for immediate pet care at thousands of clinics.
Finding your plan does not affect your credit score.
The smarter way to pay
Scratchpay provides pet parents with simple friendly payment plans.
Risk Free
Scratchpay isn’t a credit card. Finding your payment plan will NOT affect your credit score.
Highest Approvals
We approve more pet parents, with affordable rates as low as 0% APR.
No hidden fees. No prepayment penalty. No deferred interest. No surprises.
How It Works
  1. 1
    Apply for a payment plan from your phone or desktop.
  2. 2
    Check your rate and pick your payment plan.
  3. 3
    Get the care you need.
We don’t mean to brag but…
Pet parents love us
Lee S.
Kona's Dad
“Thank you guys for helping me out when I needed it, Kona wouldn't be here with me today otherwise. She had a fractured femur which was repaired with an interlocking nail.”
Jeanne C.
Timmy’s mom
“Timmy got his cast off and is doing great. Without Scratchpay I would not have been able to afford his leg surgery. Thank you so much for all your help!”
Audrey P.
Carlos’ mom
“Carlos needed an ultrasound to figure out why he keeps building fluid in his chest. He's doing fine now, we couldn't have gotten this far without the help of Scratchpay.”
Darlene T.
Pecas’ mom
“Pecas is 100% back to normal thanks to Scratchpay.”
Kyte M.
Ollies’ dad
“Our Ollie was suffering from a bacterial infection and was unresponsive. He received treatment and thankfully he's doing well. Thank you Scratchpay for coming through!”
Matthew S.
Luna’s dad
“Scratchpay came through at the last minute to help us pay for the services to save Luna’s life!! Words cannot express our appreciation...we are eternally grateful.”
Sara J.
Hella’s mom
“Hella is doing great! Thank you guys so much for helping us out in our time of need. I don’t even want to think about where I’d be without Scratchpay!”
Priscilla V.
Spike’s mom
“Thank you thank you thank you!! I can't say thank you enough, our puppy (Spike) is alive thanks to your company. You guys rock! He had Parvo. Without Scratchpay he would have died.”
Yolanda P.
Bella’s mom
“Thanks to Scratchpay, Bella is doing much better now! Thank you thank you!”
Up to three simple payment options
No hidden fees.
No prepayment penalty.
No hidden fees. No prepayment penalty.
These figures are estimates and assume $1,000 worth of veterinary services.
for 12 months
Sum of all payments: $1,092.
Total interest: $92 (15.9%)
for 24 months
Sum of all payments: $1,200.
Total interest: $200 (18.1%)
0% APR
for 30 days
Total payment due: $1,000.
No credit inquiry required
Individual offers and APRs may vary.
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A simpler way to pay
Scratchpay: Simple, friendly, payment plans.