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.

However, if you are pre-approved for our Pay Over Time product, and choose to continue the Pay Over Time application, a hard credit inquiry will be performed. Hard inquiries can affect your credit score and are visible to third parties reviewing your credit report.

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.

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.

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.

Exactly! Scratch pays the vet immediately, and depending on the payment plan you have selected you either pay scratch immediately with no interest, in 30 days with no interest, or in monthly installments over a period of 12 months with interest based on the rate you qualify for.

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.

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.

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.

Yes, Scratch is only accepted at our partner locations. If your vet is not currently a Scratch partner (or if you would like to suggest a vet be added to the Scratch 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 vet.

Yes! You can apply to use Scratch for every vet bill you have, and there is no pre-set limit to the number of vet bills you can use Scratch for. Applying will not affect your credit score. Within seconds after you apply we will let you know which plans are available for your transaction.

Yes! No matter what type of animal you have, you can use Scratch to help pay any vet bill you incur (as long as the veterinarian is a Scratch partner). If your vet is not currently a Scratch partner (or if you would like to suggest a vet be added to the Scratch 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 vet.

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