Find a transparent payment plan you can trust.
Apply in minutes without affecting your credit score.†
Check your rate, and choose the plan that’s right for you.
Scratch pays your veterinarian, so you can get the pet care you need!
†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.
^Interest Waived Offer (“Offer”) applies to eligible 12- or 18-month closed-end loans.
Number & Frequency of Payments
12 Monthly Payments*
APR
0-36%
Down Payment
$15
Number & Frequency of Payments
12 Monthly Payments*
APR
0-36%
Down Payment
$15
Number & Frequency of Payments
24 Monthly Payments*
APR
0-36%
Down Payment
$15
A great rate on your Scratch Pay loan could get even better with the Interest Waived Offer.^ When you pay off your full balance within the first 6 months, we’ll credit back any and all interest you paid. Just make all your monthly payments on time and notify us that you want to take advantage of this incredible offer.
^Interest Waived Offer (“Offer”) applies to eligible 12- or 18-month closed-end loans.