How Scratchpay Works

Step 1: Apply for Scratchpay Online

Start your scratchpay application in minutes from any device. Our simple online form asks for basic information:

• ✓ Your name and contact information
• ✓ Date of birth and Social Security Number
• ✓ Address and employment details
• ✓ Desired loan amount ($500-$5,000)

The scratch pay application uses a soft credit check, which won't affect your credit score. You can apply for scratchpay for pets without any obligation to accept the offer.

Step 2: Get Your Scratchpay Approval

Receive an instant decision on your scratchpay vet financing application. Most applicants get approved within minutes.

What You'll See After Approval:

• ✓ Your approved credit line amount
• ✓ Available payment plan options (12, 24, or 36 months)
• ✓ Your interest rate (APR ranges from 0% to 36%)
• ✓ Estimated monthly payment amounts

You can review all scratch and pay terms before accepting. There's no pressure to accept your scratchpay offer immediately.

Step 3: Use Scratchpay at
Your Vet

Once approved, you can use your scratchpay for pets financing at any of the 32,000+ participating veterinary clinics across the United States.

What Scratchpay Covers:

• ✓ Emergency veterinary care
• ✓ Routine checkups and vaccinations
• ✓ Dental procedures
• ✓ Surgery and hospitalization
• ✓ Diagnostic tests and x-rays
• ✓ Prescription medications

Your scratchpay vet payment plan begins after your veterinary visit. Make convenient monthly payments that fit your budget.