Apply Online in Minutes

Start your application from anywhere—your home, vet's office, or even in the parking lot. Our streamlined online application takes just 3-5 minutes to complete on any device.

What You'll Need:

Valid government-issued ID (driver's license or state ID)
Social Security Number or ITIN
Active checking account for payments
Mobile phone number or email address
Basic income information

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.

Get Instant Approval Decision

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.

What Happens Next:

Instant notification via text and email
View your approved credit limit
See available payment plan options (3, 6, 12, 18, or 24 months)
Compare monthly payment amounts
Choose the plan that fits your budget

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.

Visit Your Veterinarian

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.

At the Vet's Office:

Show your approval notification to the front desk
Provide your application reference number
The clinic will verify your approval (takes 30 seconds)
Your pet receives the care they need immediately
Sign the payment agreement and you're all set

Covered Services: Emergency care, surgeries, dental procedures, diagnostic testing, medications, wellness visits, vaccinations, and any other veterinary services.

Make Convenient Monthly Payments

Spread the cost of veterinary care over multiple months with automatic payments. Set it and forget it—we'll remind you before each payment is due.

Payment Options:

Automatic monthly payments from your bank account
Option to pay extra or pay off early (no penalties)
Manage payments through online portal or mobile app
Email and text reminders before each payment
Customer support available 7 days a week

Flexible Options: Need to adjust a payment date? Contact us anytime. We work with you if your circumstances change.

Typical Timeline From Application to Care

Minute 0-5: Apply

Complete the simple online application. Enter your basic information and submit for review.

Minute 5-10: Decision

Receive your approval decision via text and email. Review your credit limit and payment plan options.

Same Day: Visit Vet

Take your pet to any participating clinic. Show your approval and the clinic verifies instantly.

Immediately: Care Begins

Your pet receives the medical attention they need without delay. You sign the payment agreement.

30 Days Later: First Payment

Your first monthly payment is automatically processed. Manage everything online or via app.

How ScratchPay Works