Apply Online in 60 Seconds
Quick application with no impact on your credit score. Get an instant decision on your eligibility and available plans.
Simple Process
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.
Detailed Application Process
Everything you need to know about applying for Scratch Pay financing.
1
Complete the Online Application
The Scratch Pay application is designed to be quick and simple. You can complete it from your phone, tablet, or computer in about 60 seconds.
- Enter your basic personal information
- Provide your Social Security Number for verification
- Enter your annual income
- Soft credit check only — no impact on your score
What You'll Need
- Valid government-issued ID
- Social Security Number
- Active bank account
- Proof of income (pay stubs, tax returns)
- Valid email address and phone number
2
Review Your Options & Choose a Plan
Once approved, you'll see all available payment plans tailored to your credit profile. Compare options and choose what works best for your budget.
- Take 5 Plan: 5 bi-weekly payments
- Interest Waived: 0% if paid in 6 months
- Extended Plans: 12-36 month terms
- See exact monthly payment before accepting
Plan Comparison Tips
- Calculate total cost including interest
- Consider your monthly budget carefully
- 0% option saves money if you can pay quickly
- Longer terms = lower monthly payments
3
Get Approved & Use at Your Vet
After accepting your plan, the funds are sent directly to your veterinary clinic. You can use Scratch Pay at any of the 17,000+ participating clinics.
- Instant approval in most cases
- Funds sent directly to the vet clinic
- Start treatment immediately
- Set up autopay for convenience
After Approval
- Download the Scratch Pay app
- Track your balance and payments
- Set up automatic payments
- Get payment reminders via text/email
Scratch Pay Eligibility
Basic requirements to qualify for Scratch Pay financing.
Age Requirement
You must be at least 18 years old (19 in Alabama and Nebraska) to apply for Scratch Pay financing.
US Residency
You must be a US citizen or permanent resident with a valid Social Security Number.
Bank Account
An active US bank account is required for automatic payment withdrawals.
Income Verification
Proof of regular income may be required. This can include pay stubs, tax returns, or bank statements.
Tips for a Smooth Application
Maximize your chances of approval with these helpful tips.
📱 Apply at the Vet
Apply while at your veterinary clinic so you can use the financing immediately after approval.
💰 Know Your Budget
Before applying, calculate how much you can comfortably afford to pay each month.
📋 Have Documents Ready
Keep your ID and income verification documents handy to speed up the process if needed.