Simple, Fast, and Transparent Veterinary Financing
Start your application from anywhereβyour home, vet's office, or even in the parking lot. Our streamlined online application takes just 3-5 minutes to complete on any device.
Good News: Checking your eligibility uses a soft credit inquiry that won't impact your credit score. You can see what you qualify for without any commitment.
Most applicants receive an approval decision within 5 minutes. Our smart technology evaluates multiple factors beyond just your credit score, giving more pet parents access to financing.
Approval Range: Credit limits typically range from $250 to $10,000 depending on your financial profile. Even if you've been denied by traditional lenders, you may still qualify with ScratchPay.
Your ScratchPay approval is accepted at over 15,000 veterinary clinics, animal hospitals, and emergency care centers across the United States. Find participating locations near you.
Covered Services: Emergency care, surgeries, dental procedures, diagnostic testing, medications, wellness visits, vaccinations, and any other veterinary services.
Spread the cost of veterinary care over multiple months with automatic payments. Set it and forget itβwe'll remind you before each payment is due.
Flexible Options: Need to adjust a payment date? Contact us anytime. We work with you if your circumstances change.
Meet these basic requirements to apply for ScratchPay financing
Complete the simple online application. Enter your basic information and submit for review.
Receive your approval decision via text and email. Review your credit limit and payment plan options.
Take your pet to any participating clinic. Show your approval and the clinic verifies instantly.
Your pet receives the medical attention they need without delay. You sign the payment agreement.
Your first monthly payment is automatically processed. Manage everything online or via app.
Apply now and get your pet the care they need today
Check Your EligibilityNo impact on credit score β’ Takes 5 minutes β’ Available 24/7