The world's simplest financing solution
Simple, friendly payment plans with no surprises.

Finding your plan won’t affect your credit score. Apply for Take 5 and other plans today!
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Now offering Take 5!

Take 5 lets you break up your bill into 5 easy payments. Your first payment will be today, and the other 4 payments will be due every 2 weeks after that.

  • No interest.
  • No hard credit check.
  • No worries, period.

Why Scratchpay

Scratchpay provides you with simple transparent payment plans.

Risk Free

Scratchpay isn’t a credit card. Checking your plan option will NOT affect your credit score

Highest Approvals

We approve more pet parents, with affordable rates.

Friendly

No hidden fees. No prepayment penalty. No deferred interest. No surprises.

How it works

  1. Apply for a payment plan from your phone or desktop
  2. Check your rate and pick your payment plan
  3. Get the care you need

Get the care you need

Find a payment plan that fits your budget

Take 5 Take a Year Take 2 Years
Number of payments 5* 12** 24**
Frequency Bi-weekly Monthly Monthly
APR*** 0% Varies by applicant Varies by applicant
* First 20% down payment is due immediately. The remaining 4 payments of 20% each will be due every two weeks thereafter.
** Your monthly payment amounts on your loan will depend on your term length, the amount financed and APR. For example, a 12 month $10,000 loan with 5.99% APR would have 12 monthly payments of $860.62 for a total payment of $10,327.42. A 24 month $10,000 loan with 13.99% APR would have 24 monthly payments of $480.08 for a total payment of $11,521.96. The foregoing expected interest and repayment amounts assume you will make all payments in full on the scheduled due dates. Late payments or payments of less than the full amount due may result in higher interest charges and repayment amounts.
*** 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.

Don’t just take it from us

See what clients are saying

I loved my experience with Scratchpay, it was extremely easy to set up and I got approved in under 15 minutes.
Madison
Scratchpay Customer
Thanks to Scratchpay, I was able to save part of our family!
Renée
Scratchpay Customer
Scratchpay was incredibly easy to use and our Bear could not have had his emergency surgery without them
Austin
Scratchpay Customer
We are thankful for Scratchpay. Without the help I don’t know what we would’ve done, we’re forever grateful.
Randy
Scratchpay Customer
Thank goodness for Scratchpay, It made it possible to help our little guy.
Andrea
Scratchpay Customer
Having Scratchpay as a payment option made the whole process super simple to apply for and super simple to pay back.
Caryn
Scratchpay Customer
Abigail is doing great thanks to Scratchpay! We couldn’t be happier with your service!
Nancy
Scratchpay Customer
If I ever need help with funds again I will be contacting Scratchpay.
Kimberly
Scratchpay Customer