Affordable Scratchpay
Veterinary Payment Plans

Flexible Payment Plans for Every Budget

Scratchpay offers payment plans ranging from 3 to 24 months, allowing you to choose terms that fit your financial situation. Short-term plans often come with 0% APR, while extended plans provide lower monthly payments. Whether you're facing an emergency vet visit or planning a routine procedure, you can find a payment structure that works for you.

No Hidden Fees or Surprises

Unlike credit cards or traditional loans, Scratchpay provides transparent pricing with no hidden fees. You'll know exactly what you owe from day one. There are no prepayment penalties, so you can pay off your balance early to save on interest. The application is free, and there are no annual fees to worry about.

Fast Approval Process

When your pet needs care, waiting isn't an option. Scratchpay provides instant approval decisions for most applications, allowing you to get your pet the treatment they need without delay. The online application takes just 15 minutes to complete, and you can apply from home or directly at your veterinarian's office.

Works at Thousands of Veterinary Clinics

Scratchpay partners with veterinary practices across the United States, from emergency animal hospitals to specialty care facilities. Most major veterinary chains accept Scratchpay, and the network continues to grow. You can use your financing for emergency care, routine checkups, dental procedures, surgeries, diagnostic testing, and prescription medications.

Emergency Veterinary Care

Emergency vet visits typically cost between $1,000 and $5,000 depending on the severity of the condition. These expenses can include the initial examination fee, diagnostic testing like X-rays or bloodwork, medications, and any necessary procedures or surgery. Emergency clinics operate 24/7 and charge premium rates for immediate care, but Scratchpay financing makes these costs manageable through monthly payments.

Routine and Preventive Care

Annual wellness exams cost between $50 and $200, while vaccinations add another $75 to $150 per year. Dental cleanings, which should occur every one to two years, typically run $300 to $800. Flea, tick, and heartworm prevention costs $15 to $50 monthly. These routine expenses add up to $500-$1,500 annually per pet, and Scratchpay can help you manage these costs without breaking your budget.

Specialized Procedures and Surgery

More complex veterinary procedures carry higher costs. Orthopedic surgery can exceed $5,000, while cancer treatment may cost $3,000 to $10,000 over the course of treatment. Specialty consultations with veterinary cardiologists, oncologists, or internal medicine specialists typically start at $200 to $400 just for the initial visit. With Scratchpay, you can access these specialized services without depleting your savings.

Scratchpay evaluates applications based on multiple factors, making financing accessible to pet owners with varied credit histories. To qualify, you must be at least 18 years old, have a valid U.S. address, provide a Social Security number, maintain an active checking account, and have verifiable income. Unlike traditional lenders that focus solely on credit scores, Scratchpay looks at your overall financial picture.

Even if you have less-than-perfect credit, you may still qualify for Scratchpay financing. The company considers factors like employment status, income stability, and banking history when making approval decisions. Many pet owners who have been denied traditional credit cards or personal loans successfully obtain Scratchpay financing for their veterinary expenses.

Your veterinary practice must participate in the Scratchpay network to use this financing option. Most major animal hospitals and veterinary chains accept Scratchpay, and you can verify participation by calling your clinic directly or checking Scratchpay's online directory. If your current veterinarian doesn't accept Scratchpay, you can ask them to join the network or find a participating clinic in your area.