Frequently Asked Questions
Everything you need to know about Scratch Pay veterinary financing.
Quick Answers
Minimum Credit Score
None RequiredAll credit profiles considered
Loan Amount
$200 - $10,000Based on credit profile
APR Range
0% - 36%0% option available
Approval Time
60 SecondsInstant decision
Repayment Terms
6 - 36 MonthsFlexible options
Participating Clinics
17,000+Across US & Canada
Most Asked Questions
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.
More Questions & Answers
📝 Application Questions
You'll need your name, address, date of birth, Social Security Number, annual income, bank account information, and a valid email address and phone number. Having this information ready will make the application process faster.
Yes! The Scratch Pay application is mobile-friendly and works on any smartphone, tablet, or computer. Many pet parents apply right at the vet's office using their phone.
If you're denied, you'll receive an explanation of the factors that contributed to the decision. You may be able to reapply after improving your financial situation or correcting any errors on your credit report.
Yes, you can pre-qualify before your vet visit to know how much financing you're eligible for. This helps you plan ahead and reduces stress when you're at the clinic.
You can search for participating clinics on the Scratch Pay website or app. Simply enter your zip code to find nearby vets that accept Scratch Pay. If your vet doesn't participate, you can suggest they sign up.
No, there is no application fee. Checking your eligibility is completely free and doesn't affect your credit score. You only pay if you accept and use the financing.
💳 Payment Questions
Yes! There are no prepayment penalties with Scratch Pay. You can pay off your balance at any time without any extra fees. This is especially beneficial with the 0% interest plan if you can pay within 6 months.
If you miss a payment, a late fee of up to $15 may be charged. Scratch Pay sends payment reminders via text and email to help you stay on track. If you're having trouble making payments, contact customer service to discuss options.
Payments are automatically deducted from your bank account on your due date. You can also make additional payments or pay off your balance early through the Scratch Pay app or website.
In most cases, you can request to change your payment date by contacting Scratch Pay customer service. This can be helpful if your pay schedule changes or you need to align payments with your income.
Scratch Pay requires a bank account for automatic payments. Debit cards linked to your bank account can also be used. Credit cards are not accepted for making payments.
Yes! Scratch Pay sends payment reminders via text message and email before each payment due date. You can manage your notification preferences in the app or on the website.
The Interest Waived option means if you pay off your entire balance within 6 months, you pay $0 in interest. If you don't pay in full within 6 months, interest will be charged from the original purchase date at your approved APR.
✅ Eligibility Questions
Scratch Pay is accepted at over 17,000 veterinary clinics across the US and Canada. You can search for participating clinics on the Scratch Pay website. If your vet doesn't accept Scratch Pay, you can ask them to sign up.
Yes, you can have multiple Scratch Pay loans at the same time. Each application is evaluated separately based on your current financial situation and existing debt obligations.
You must be at least 18 years old (19 in Alabama and Nebraska) to apply for Scratch Pay financing. You must also be a US citizen or permanent resident with a valid Social Security Number.
Yes, an active US bank account is required for automatic payment withdrawals. This helps ensure timely payments and protects both you and the lender.
Yes! Scratch Pay considers applicants across all credit profiles. There's no minimum credit score requirement. Your rate may be higher with lower credit scores, but many people with less-than-perfect credit are approved.
While you'll need to provide your annual income during the application, proof of income (like pay stubs) may be requested in some cases. Having documentation ready can speed up the approval process.
No, you must apply for yourself using your own information. However, another person can pay for the vet bill and you can reimburse them, or they can apply for their own Scratch Pay account.
❓ General Questions
No. While both offer healthcare financing, Scratch Pay is an installment loan with fixed payments, while CareCredit is a revolving credit card. Scratch Pay doesn't have deferred interest traps like CareCredit, where you could owe all the accumulated interest if you don't pay in full by the promotional period end.
Yes, Scratch Pay is a legitimate company. Scratch Financial, Inc. is based in California and partners with WebBank to issue loans. They have a 4.5-star rating on Trustpilot with over 1,300 reviews and are accepted at 17,000+ veterinary clinics nationwide.
Scratch Pay is specifically designed for veterinary expenses and can only be used at participating veterinary clinics and pet care providers. It cannot be used for general purchases or other healthcare expenses.
Yes, once you accept a loan, Scratch Pay reports to the credit bureaus. Making on-time payments can help build your credit history, while missed payments could negatively affect your credit score.
Scratch Pay covers veterinary care for all types of pets, including dogs, cats, birds, reptiles, and exotic animals. As long as the veterinary clinic accepts Scratch Pay, you can use it for any pet's care.
Yes, Scratch Pay uses bank-level encryption to protect your personal and financial information. They are compliant with industry security standards and never share your data with unauthorized parties.
Once you've accepted a loan and the funds have been disbursed to the veterinary clinic, you cannot cancel the loan. However, you can pay off the balance early without any prepayment penalties.
If you have additional questions, you can contact Scratch Pay customer support through their app or website. They offer email and chat support to help answer any questions about your account or the application process.