Does this affect my credit score in any way?
We perform a soft credit inquiry when you check your rate through Scratchpay.com. This step allows you to check what rates and terms may be available to you. That inquiry will not affect your credit score at all.
If you are pre-approved for our Pay Later product, and choose to continue the Pay Later application, no hard credit inquiry will be performed and there will be no impact on your credit score at all.
In an instance where you are pre-approved for our Pay Over Time product, and choose to continue the Pay Over Time application, one hard credit inquiry will be performed. Hard inquiries can affect your credit score and are visible to third parties reviewing your credit report.
The interest rates on the website are a range. When will I get an exact number?
Since our merit-based interest rates are based on your entire personal and financial profile, your exact interest rate is calculated after you have submitted an application. Remember that submitting an application will not impact your credit score. If we offer you a loan and you are not satisfied with the interest rate you can easily decline our offer at zero cost, and there will be no impact on your credit score.
Do you link up with my bank account? Are payments made automatically or do I need to pay manually?
We provide an automatic payment option called an Electronic Fund Transfer via ACH so you never have to worry about forgetting a due date again. Using this option, we electronically debit your bank account for the amount you owe on your due date. Other payment options are available. Call 855-727-2395 to speak with a Specialist today to schedule your next payment.
Does Scratchpay pay the veterinary clinic immediately, and then I pay Scratchpay in installments with interest?
Exactly! Scratchpay pays the veterinary clinic immediately. Depending on the payment plan you have selected, you either pay Scratchpay in 30 days with no interest, or in monthly installments over a period of 12 or 24 months with interest based on the rate you qualify for.
What happens if I miss a payment?
If you have already missed your scheduled payment, call our Payment Planning Team at 855-727-2395. Our payment planning Specialists are committed to getting you back on track by helping you set up a payment arrangement that fits your budget.
What if I can't make an upcoming payment?
If you find that you can't make an upcoming payment on your loan, call our friendly Customer Service Specialists at 855-727-2395. We will do our best to find a solution that keeps you on track.
Can I make additional payments or prepay my whole loan?
Of course! If you find yourself ahead of the game, you can make additional payments at your convenience with NO prepayment fees or penalties. Prepaying your loan will reduce future interest payments. To make an additional payment just call us at 855-727-2395. Refer to our Terms of Service for details on how payments are applied to outstanding balances.
Do I have to use one of your listed vets? Can I suggest a vet?
Yes, Scratchpay is only accepted at our partner locations. If your veterinarian is not currently a Scratchpay partner (or if you would like to suggest a veterinarian be added to the Scratchpay network) email the name of your veterinary clinic to support@scratchpay.com and we will have a member of our Partnerships Team reach out to your veterinarian.
How many veterinary bills can I use Scratchpay for? Can I put every veterinary visit on Scratchpay?
Yes! You can apply to use Scratchpay for every veterinary bill you have, and there is no pre-set limit to the number of veterinary bills you can use Scratchpay for. Applying will not affect your credit score. Within seconds of applying we let you know which plans are available for your transaction.
Do you only cover cats and dogs? What about Equine? Reptiles? My pet hedgehog?
Yes! No matter what type of animal you have, you can use Scratchpay to help pay any veterinary bill you incur (as long as the veterinarian is a Scratchpay partner). If your veterinarian is not currently a Scratchpay partner (or if you would like to suggest a veterinarian be added to the Scratchpay network) email the name of your veterinary clinic to support@scratchpay.com and we will have a member of our partnership team reach out to your veterinarian.
How do I contact Scratchpay?
Our friendly, understanding representatives are here 7 days a week to help you. We are dedicated to answering your questions by phone, email or text:
Phone: 855-727-2395
Fax: 213-402-6975
Email: support@scratchpay.com
What does it cost to offer Scratchpay?
Nothing! The only cost associated with Scratchpay is a flat 5% transaction fee whenever a client pays you using Scratchpay. There are no set-up fees, no long term contracts or commitments, and no hardware requirements.
How do I offer Scratchpay?
Offering Scratchpay is easy! All we need to get you started is some basic contact info. Once a client pays you using Scratchpay, we’ll need routing information to pay you. Sign up for Scratchpay by following this link to our Scratchpay Partner Application.
How will my clients know I offer Scratchpay?
Scratchpay sends each Partner Clinic a Launch Box with free marketing materials. If your clinic ever needs more free supplies, just let us know by messaging
support@scratchpay.com.
How do clients apply for Scratchpay?
Clients simply visit scratchpay.com on a computer, tablet, or phone and click “Find A Payment Plan” to start the application.
How do I know when a client has paid me with Scratchpay?
Scratchpay sends instant emails to your clinic as soon as your client is approved. These emails let you know who the client is, how much they’re approved for, and function as a guarantee for the full amount listed in the email, so you can get to work on the animal immediately!
How does Scratchpay know how much to pay me?
Once you’re partnered with Scratchpay, we activate your clinic’s very own Scratchpay Dashboard. Your clinic can use the Scratchpay Dashboard to finalize any open payments as well as review past payments.
How do I get paid by Scratchpay?
Scratchpay pays your clinic through Direct Deposit. Each payment Scratchpay makes for clients at your clinic will be its own line item in your bank statement from Scratchpay with an addendum detailing the client’s name and the fee associated with that transaction.
Does Scratchpay send monthly statements?
Yes! Scratchpay sends your clinic monthly statements in the first week of the following month. You can also view your past Scratchpay payments through your Scratchpay Dashboard.
What happens if the client fails to pay Scratchpay?
Scratchpay takes full responsibility for the client once they’re approved and works with the client to pay us back. A client’s ability to repay us has no effect on your clinic. You get paid upfront and we take care of the client.
No! You don’t have to check IDs, photocopy credentials, or gather any sensitive information. Each Scratchpay payment confirmation email will include a 6-digit Confirmation Code, which is identical to the one your client receives when they’re approved. Just ask the client for the code and you’re all good to go!
What if I need to refund a client?
No problem! Just let us know the amount that needs to be refunded and we’ll remove that amount from the client’s account with us. If we’ve already paid those funds to your clinic, don’t worry! We’ll create a Refund Tracker and use those funds against future payments to your clinic.
What if a client needs more funds?
We let each client know exactly how much Scratchpay can lend to them. If a client needs more funds, ask them to check their email to see any additional amounts still available to them through Scratchpay. All a client needs to do to activate these funds is go through the application again.
If it’s been more than 7 days since the client last used Scratchpay, just have them apply again at scratchpay.com.
What if a Payment Authorization Email is Not Received?
If there’s ever an issue with Scratchpay, get in touch with our Support Team immediately by either phone or email.
Phone: 855-727-2395
Email: support@scratchpay.com
What if a client doesn’t have a phone that can receive text messages?
As a part of identity verification in our application, we text a one-time code to your client’s cellphone. They don’t need a smartphone, the phone just needs to be able to receive a text. If there’s ever a case where a client doesn’t have a textable phone, you can try having the code texted to someone else’s or reach out to our Support Team.
Phone: 855-727-2395
Email: support@scratchpay.com
How do I contact Scratchpay?
Our friendly, understanding representatives are here 7 days a week to help you. We are dedicated to answering your questions by phone, email or text:
Phone: 855-727-2395
Fax: 213-402-6975
Email: support@scratchpay.com
