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Quick application with no impact on your credit score. Get an instant decision on your eligibility and available plans.
Scratch Pay Vet Loan — Affordable Pet Care Financing
Get approved in minutes for $200 to $10,000 in veterinary financing. No impact on your credit score to check eligibility. Give your pet the care they deserve today.
17,000+ Clinics
0% APR Available
Soft Credit Check
Check Your Rate in 60 Seconds
No impact on your credit score. See your financing options instantly.
Why Apply Now?
- Instant decision in 60 seconds
- No impact on your credit score
- 0% APR available for qualified applicants
- Financing from $200 to $10,000
- Use at 17,000+ vet clinics nationwide
Your information is secure and encrypted
How Scratch Pay Works
Get financing for your pet's care in three easy steps — no complicated paperwork, no long wait times.
Choose Your Payment Plan
Select from flexible plans ranging from 6 to 36 months. Pick the monthly payment that fits your budget.
Get Pet Care Today
Your vet receives payment immediately. Focus on your pet's health while making comfortable monthly payments.
Scratch Pay Payment Plans
Choose the plan that works best for your budget. Transparent terms with no hidden fees.
Take 5 Plan
Bi-weekly payments
5 payments over ~6 weeks
- 20% down payment required
- 4 remaining payments every 2 weeks
- Quick payoff option
- No interest charges
Interest Waived
0% APR
If paid within 6 months
- Only $15 down payment
- 12 or 18 month terms available
- Interest waived if paid in 6 months
- Most popular option
Extended Plans
0-36% APR
12, 18, 24, or 36 months
- Lower monthly payments
- Rates based on credit profile
- No prepayment penalties
- Up to $10,000 financing
Veterinary Services You Can Finance
Scratch Pay covers a wide range of veterinary care — from routine checkups to emergency surgeries.
Emergency Care
Accidents and sudden illnesses don't wait. Get immediate financing for urgent veterinary treatment.
Surgery
From orthopedic procedures to tumor removal, finance the surgeries your pet needs to stay healthy.
Dental Care
Cleanings, extractions, and dental surgeries. Keep your pet's teeth healthy without financial stress.
Vaccinations
Stay up-to-date on essential vaccines. Preventive care is key to your pet's long-term health.
Medications
Prescription medications for chronic conditions, infections, and ongoing treatment plans.
Specialty Care
Oncology, cardiology, dermatology, and other specialized veterinary services.
What Pet Parents Are Saying
Thousands of pet owners have used Scratch Pay to give their pets the care they deserve.
"Scratch Pay saved my dog's life when I couldn't afford emergency surgery. The application took 2 minutes and I was approved instantly. The 0% interest option helped me pay it off without extra costs."
Sarah M.
Dog Owner, Texas
"So much easier than CareCredit. No confusing deferred interest, just simple monthly payments. My vet recommended it and I'm glad they did. Highly recommend for any pet parent."
Marcus J.
Cat Owner, California
"I was worried about my credit score but the soft check didn't affect it at all. Got approved for $3,000 and my cat got the dental surgery she needed. Payment reminders are helpful too!"
Jennifer L.
Cat Owner, Florida
Based on reviews from Trustpilot where Scratch Pay has a 4.5-star rating from 1,300+ reviews.
Scratch Pay vs CareCredit
See why pet parents are choosing Scratch Pay over traditional healthcare credit cards.
| Feature | Scratch Pay | CareCredit |
|---|---|---|
| Credit check to apply | Soft (no impact) | Hard inquiry |
| Deferred interest | No hidden traps | Yes (up to 26.99%) |
| 0% APR option | Yes, 6 months | Yes, promotional |
| Application time | 60 seconds | Varies |
| Card type | Installment loan | Revolving credit |
Find Care Near You
17,000+ Clinics Accept Scratch Pay
From coast to coast, thousands of veterinary clinics across the United States and Canada partner with Scratch Pay to help pet parents afford quality care.
17,000+
Partner Clinics
50
US States Covered
$10K
Max Financing
Frequently Asked Questions
Everything you need to know about Scratch Pay veterinary financing.
Scratch Pay considers applicants across all credit profiles. There's no minimum credit score requirement, and checking your eligibility uses a soft credit check that won't impact your credit score. Approval rates are typically higher than traditional credit cards, making it accessible for pet parents with various credit histories.
No. Checking your eligibility for Scratch Pay uses a soft credit inquiry, which does not affect your credit score. Only if you accept and finalize a loan will it appear on your credit report, and making timely payments can actually help build your credit history over time.
Scratch Pay offers APR ranging from 0% to 36%, depending on your credit profile and chosen plan. The Interest Waived Offer allows you to pay 0% interest if you pay off your balance within 6 months. All rates are transparent with no hidden fees, and you'll see your exact rate before accepting any plan.
Most Scratch Pay applications receive an instant decision within 60 seconds. Once approved, you can use your financing immediately at participating veterinary clinics. The entire process from application to approval typically takes less than 5 minutes, so you can focus on your pet's care.
Scratch Pay offers financing from $200 to $10,000, with repayment terms ranging from 12 to 36 months. The amount you're approved for depends on your individual credit profile and financial situation. You can apply for multiple loans if needed for different veterinary expenses.
Ready to Get Started?
Check your rate in 60 seconds — no impact on your credit score. Give your pet the care they deserve today.
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