Instant approval • No hidden fees • Flexible payment plans
Get the care your pet deserves without the financial stress
Get approved for pet care financing in 3 simple steps
Fill out our simple application in just 30 seconds. No lengthy paperwork or waiting.
Receive an instant approval decision. Most applications are approved in seconds.
Select a payment plan that works for your budget and get the care your pet needs today.
The smart way to finance your pet's healthcare
Get approved in 30 seconds with our streamlined application process. No waiting, no hassle.
What you see is what you get. No surprise charges, no prepayment penalties, completely transparent.
Checking your rate won't affect your credit score. Your information is protected with bank-level encryption.
Choose from multiple payment plans ranging from 3 to 24 months to fit your budget perfectly.
Covers emergency care, surgery, dental work, preventive care, and all veterinary services.
95% approval rate means almost everyone qualifies. Bad credit? No problem, we work with all credit types.
Compare and see the difference
Pet Care Financing
General Purpose Cards
Join thousands of satisfied customers
"ScratchPay saved my dog's life. When Max needed emergency surgery, I couldn't afford the $3,500 upfront. ScratchPay approved me in seconds and I could pay over time. Max is healthy and happy now!"
"I was skeptical at first, but the process was incredibly easy. Applied on my phone while at the vet clinic, got approved instantly, and my cat got the dental surgery she needed. No stress, no hassle."
"After being turned down by two credit cards, ScratchPay approved me with my less-than-perfect credit. The monthly payments are affordable and there are no hidden fees. Highly recommend!"
Everything you need to know about ScratchPay
ScratchPay is a financing solution specifically designed for pet care expenses. We provide instant approval for veterinary bills, allowing you to pay over time with flexible payment plans ranging from 3 to 24 months.
Most applications are approved instantly, typically within 30 seconds. You'll receive an immediate decision so you can get your pet the care they need without delay.
No! Checking your rate with ScratchPay uses a soft credit inquiry, which does not impact your credit score. Only if you accept an offer and proceed with the loan will there be a hard inquiry.
ScratchPay works with all credit types. With a 95% approval rate, we approve customers with excellent, good, fair, and even bad credit. We look at multiple factors beyond just your credit score.
ScratchPay covers all veterinary services including emergency care, surgery, dental procedures, preventive care, chronic condition treatment, diagnostic tests, medications, and specialty care.
Absolutely not. We believe in complete transparency. All fees and interest rates are clearly disclosed upfront before you accept your loan. There are no prepayment penalties if you pay off your loan early.
Join over 500,000 pet parents who trust ScratchPay
Apply Now - Takes 30 SecondsNo impact on your credit score • Instant decision