ScratchPay vs Traditional Options
| Feature |
ScratchPay |
CareCredit |
Credit Card |
Personal Loan |
| Approval Time |
5 minutes |
15-30 minutes |
Variable |
1-7 days |
| Credit Check Impact |
Soft inquiry (no impact) |
Hard inquiry |
Hard inquiry |
Hard inquiry |
| 0% Interest Options |
✓ |
✓ |
✗ |
✗ |
| Considers Beyond Credit Score |
✓ |
✗ |
✗ |
✗ |
| Prepayment Penalty |
None |
None |
None |
Sometimes |
| Application Fee |
$0 |
$0 |
Variable |
$25-$100 |
| Annual Fee |
$0 |
$0 |
$0-$500 |
$0 |
| Specifically for Veterinary Care |
✓ |
✓ |
✗ |
✗ |
| Available Amount |
$250 - $10,000 |
$200 - $25,000 |
Variable |
$1,000 - $50,000 |
| Payment Terms |
3-24 months |
6-24 months |
Revolving |
12-84 months |
Ready to Choose ScratchPay?
Get approved in 5 minutes with no impact on your credit score
Apply Now