Pay for veterinary care over time with flexible payment plans. Get approved in minutes, not days.
Get an instant estimate based on your credit profile
Get an approval decision in as little as 5 minutes. No waiting days for traditional financing. Apply online or at your vet's office.
Choose from 3, 6, 12, 18, or 24-month payment plans. Select what works best for your budget with monthly payments you can afford.
Apply from your phone, tablet, or computer in minutes. Simple online application with minimal documentation required.
Checking your eligibility won't affect your credit score. We use a soft inquiry that's only visible to you.
Pay off your balance early without any additional fees or penalties. You're in complete control of your payments.
Use for emergency care, surgeries, dental procedures, medications, wellness visits, and more. All vet services covered.
Complete our simple online application in minutes. You'll need basic information and a valid ID.
Receive an instant approval decision. Most applications are approved within 5 minutes.
Take your pet to any participating veterinary clinic. Show them your ScratchPay approval.
Make convenient monthly payments. Set up auto-pay and never worry about missing a payment.
"When my dog needed emergency surgery, I was panicking about the $3,500 bill. ScratchPay approved me in minutes and I was able to get Max the care he needed immediately. The monthly payments are so manageable!"
"I love that checking my eligibility didn't hurt my credit score. The application was super easy on my phone, and I got approved while sitting in the vet's waiting room. Game changer for pet parents!"
"My cat needed dental surgery and I didn't have $1,800 saved up. ScratchPay let me break it into 12 payments with 0% interest. I paid it off early with no penalty. Highly recommend to all pet owners!"
Join over 500,000 pet parents who trust ScratchPay for their veterinary financing needs.