user
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.
Illustration

Why Choose Scratch Pay?

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

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
checkmark icon
Apply in minutes without affecting your credit score.†
line
Step 2
checkmark icon
Check your rate, and choose the plan that’s right for you.
line
Step 3
checkmark icon
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
icon tick12 Months
icon checked
Number & Frequency of Payments
12 Monthly Payments*
icon checked
APR
0-36%
icon checked
Down Payment
$15
icon tick24 Months
icon checked
Number & Frequency of Payments
24 Monthly Payments*
icon checked
APR
0-36%
icon checked
Down Payment
$15
quote icon 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 36 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, 24-month, and 36-month plans. Refunds are given for unused plans.

Connecting Patients & Practices

image
icon
17,000+
Leading Veterinary Hospitals Trust Scratch
image
icon
Highest Approvals
More Scratch Pay plans are approved with affordable rates.1
image
icon
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.**
quote icon
“A great way to pay off high vet bills. Payment amounts are easy to handle.”
smily icon
Lynne, NC
Scratch Pay Customer
quote icon
“Paid off early with zero interest. Kitty is happy & healthy!”
smily icon
Asa, CO
Scratch Pay Customer
quote icon
“A very great way to help a dire situation when feeling helpless... Thank you for your help and being a great cornerstone of relief.”
smily icon
Darrell, TX
Scratch Pay Customer
quote icon
“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.”
smily icon
Angi, IL
Scratch Pay Customer
quote icon
“A great way to pay off high vet bills. Payment amounts are easy to handle.”
smily icon
Austin
Scratch Pay Customer
**Testimonials reflect the individual's opinion and may not be illustrative of all individual experience with Scratch.

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 arrow
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 arrow
img