Customer Reviews & Testimonials

ScratchPay literally saved my dog's life. Max had a twisted stomach and needed emergency surgery immediately. The bill was $3,500 and I didn't have that kind of money saved up. I applied for ScratchPay while sitting in the vet's waiting room and got approved in 5 minutes! The monthly payments are so manageable, and I was able to pay it off early with no penalty. I can't recommend this enough to other pet parents.

I was hesitant at first because I've had issues with credit approvals in the past. But ScratchPay approved me! The soft credit check didn't hurt my score, and the application was so easy on my phone. My cat needed dental surgery ($1,400) and I chose the 0% interest 6-month plan. Customer service was helpful when I had questions. This is a game-changer for people who love their pets but don't have thousands of dollars sitting around.

As a single mom, unexpected vet bills are stressful. My Golden Retriever ate something toxic and needed overnight care with IV fluids. The bill came to $2,200. ScratchPay made it possible for me to get her the care she needed without putting it on a high-interest credit card. I love that I can see my payment schedule online and make extra payments when I have extra money. She's doing great now, and I'm grateful this option existed.

My Husky tore her ACL and needed surgery. The orthopedic vet quoted me $4,800. I had tried CareCredit before and was denied. Decided to try ScratchPay and was shocked when I got approved! They look at more than just credit score. The whole process was transparent - no hidden fees, no surprises. I chose a 24-month plan and the payments fit perfectly into my budget. Highly recommend to anyone who needs help with vet bills.

I used ScratchPay for my senior cat's cancer treatment. It was going to cost $5,200 for surgery and chemo. The vet's office recommended ScratchPay and I'm so glad they did. The approval was instant, and I felt like I had options again instead of feeling helpless. My cat is now in remission! The monthly payment reminders are helpful, and I've never missed a payment with their auto-pay system. This service gave my cat a fighting chance.

Excellent service! My dog needed emergency bloat surgery at 2am. The emergency vet accepted ScratchPay, and even though it was the middle of the night, I was able to apply and get approved on my phone. The $4,200 bill was broken into monthly payments I could afford. The customer support team answered my questions the next day and helped me set up autopay. They really care about pets and their owners. Five stars!