Happy woman with dog
†Checking your eligibility for a plan will not impact your credit score. If you are approved and accept a loan, repayment activities may be reported to the credit bureaus.
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Why Choose Scratch Pay?

Treat your pet now and pay later, with simple, transparent payment plans.
  • Flexible Terms
    Choose from 12 to 24 monthly payments.
  • Affordable Down Payments
    Only $15 down to get started right away.
  • Accessible Care
    Over 17k providers accept Scratch Pay. 1
    1Number of practices using Scratch Pay as of September 2025.

Interest Waived Offer^

Enjoy 0% Interest — Interest is waived if plans are paid within 6 months.
Learn More
^Interest Waived Offer (“Offer”) applies to eligible 12- or 18-month closed-end loans.
Find a transparent payment plan you can trust.

How it Works

Step 1
Apply in minutes without affecting your credit score.†
Step 2
Check your rate, and choose the plan that’s right for you.
Step 3
Get the pet care you need!
Find a Payment Plan
†Checking your eligibility for a plan will not impact your credit score. If you are approved and accept a loan, repayment activities may be reported to the credit bureaus.

Get the Care You Need.

Choose the payment plan that fits your budget.
Find a Payment Plan
12 Months
Number & Frequency of Payments
12 Monthly Payments*
APR
0-36%
Down Payment
$15
24 Months
Number & Frequency of Payments
24 Monthly Payments*
APR
0-36%
Down Payment
$15
Late fees apply. All payment plans and loans are subject to approval and, with respect to the loan, the rate for which individual borrowers qualify may vary based on individual credit history and other factors.
*Scratch Pay plans are available in 12 to 24 month terms, range in approved loan amounts from $200 to $10,000, and with annual percentage rates (APR) ranging from 0% to 36%, with the lowest rates for borrowers with exceptional credit profiles. Monthly payment amounts on plan will depend on the term length, amount financed, and APR. For example, a 12-month payment plan for $10,000 with 5.99% APR would have 12 monthly payments of $860.62 for a total repayment amount of $10,327.44. Signing for a plan means the borrower agrees to make all payments in full and on the scheduled due dates. A borrower may incur late fees for partial or late payments that may result in higher interest charges and repayment schedule. To obtain financing, a $15 down payment is required. Autopay enrollment is optional for 12-month and 24-month plans. Refunds are given for unused plans.

Connecting Patients & Practices

17,000+
Leading Veterinary Hospitals Trust Scratch
Highest Approvals
More Scratch Pay plans are approved with affordable rates.1
No Penalties
No Prepayment Penalty. No Deferred Interest. 2
1Based on Scratch Pay partners survey.
2Standard late fees apply. Please review the terms presented to you during application carefully.

Pet Owners Trust Scratch.

See what clients are saying.**
“A great way to pay off high vet bills. Payment amounts are easy to handle.”
Lynne, NC
Scratch Pay Customer
“Paid off early with zero interest. Kitty is happy & healthy!”
Asa, CO
Scratch Pay Customer
“A very great way to help a dire situation when feeling helpless... Thank you for your help and being a great cornerstone of relief.”
Darrell, TX
Scratch Pay Customer
“Scratch Pay has been there for me for 3 different dogs in good and bad times... I couldn’t be more thankful for when life throws a curveball.”
Angi, IL
Scratch Pay Customer
“A great way to pay off high vet bills. Payment amounts are easy to handle.”
Austin
Scratch Pay Customer
**The testimonials provided are individual experiences reflecting the use of Scratch products and services. Individual results may vary, and the experiences described are not a guarantee of typical results. Testimonials may be edited for grammar, clarity, brevity, or misstatement of the Scratch product name. Individuals providing testimonials may have received free products, services or other incentives in exchange for sharing their experiences. All opinions and views expressed in the testimonials are solely those of the individuals who provided them. Scratch is not responsible for the accuracy or completeness of the testimonials.

Frequently
Asked Questions

Questions? We’re here to help!
Full List of FAQs
Scratch's platform provides access to personalized offers based on each applicant's credit profile. As a result, not everyone will see our full range of plans after applying; you'll only see plans that match your individual approvals.
See which plans are available.
View Plan Overview
The Interest Waived Offer is one of several eligible Scratch Pay Plans. This offer may not be displayed to all applicants, as its availability depends on the information provided during the application process. This allows borrowers to save on interest if they pay off their principal within 6 months.

Scratch's Waived Interest Offer is one of many eligible Scratch Pay Plans, and not all applicants will be shown this offer depending on the information provided in their application. If the Interest Waived Offer is selected as the chosen Scratch Pay Plan, then the customer will remain eligible for the promotion as long as they aren't delinquent on a payment.

See Full Terms & Conditions