Join Over 16,000 Leading Veterinary Hospitals*
78% of partner practices say Scratch Pay has the highest approval rate & is the easiest to use1—No prepayment penalties. No deferred interest.2
Our standard feeto practices is a simple, flat-rate 5% provider fee—with no hidden fees.
Finding a plan won’t affect your clients’ credit scores.3
Help patients get the care they need with more plans approved with affordable rates.4
*Number of practices using Scratch Pay as of February 10, 2025.
1Based on a 2020 survey sent to ~9,000 partners.
2Standard late fees apply. Please review the terms presented to you during application carefully.
3Checking 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.
4Based on Scratch Pay partner survey.
Make it simple for your clients to access care.
Clients can submit a loan application right at the point of payment.
They can select a plan that fits their needs, and receive a decision in seconds!
And if approved, your clients can get the care they need!
Welcome to Scratch Pay.
When your clients select a plan, you’ll receive an email notification from us.
You can easily finalize their plan for the total service right from your clinic’s Scratch Pay dashboard.
We pay your practice up front via ACH deposit!
From helpful practice support and training to free marketing materials, we make it easy for your clients get the care they need.
Enroll TodayPet owners can quickly see if they qualify— with no impact to their credit scores!
Get Started*Standard late fees apply. Please review the terms presented to you during application carefully.
1Checking 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.
Speak to a Scratch Representative to learn more or schedule a demo today.