How Does ScratchPay Work?
Simple Steps to Pet Care Financing
Get approved for pet care financing in 3 simple steps. Here's everything you need to know about the ScratchPay application and approval process.
⏱️ Application Time: 30 Seconds
Most applicants receive instant approval
The ScratchPay Process: 4 Easy Steps
Complete the Quick Application
Fill out our simple online form with basic information. No lengthy paperwork or complicated questions.
What You'll Need:
- Full name and date of birth
- Home address
- Email address and phone number
- Last 4 digits of your Social Security Number
- Annual household income
💡 Pro Tip: Have your information ready before visiting the vet to speed up the process even more!
Receive Instant Decision
Our advanced system analyzes your application in real-time and provides an immediate approval decision.
What Happens During Review:
- Soft Credit Check: Initial check doesn't affect your credit score
- Income Verification: Quick verification of stated income
- Approval Amount: You'll see your approved loan amount instantly
- Interest Rate: Your personalized APR will be disclosed upfront
Choose Your Payment Plan
Select the repayment plan that best fits your budget from multiple flexible options.
Available Payment Terms:
| Term Length | Best For | Typical APR |
|---|---|---|
| 3 months | Small expenses under $500 | 0-15% |
| 6 months | Mid-range procedures | 10-20% |
| 12 months | Most popular option | 12-25% |
| 18 months | Expensive surgeries | 15-30% |
| 24 months | Highest cost treatments | 18-35.99% |
Get Care Immediately
Once approved, your veterinarian receives payment directly from ScratchPay, and your pet can receive treatment right away.
What Happens Next:
- Vet Gets Paid: ScratchPay sends payment directly to your veterinary clinic
- Treatment Begins: Your pet receives the necessary care immediately
- First Payment: Your first monthly payment is typically due 30 days later
- Auto-Pay Option: Set up automatic payments for convenience
- Early Payoff: Pay off your loan early anytime with no penalties
🎉 Success! You've successfully used ScratchPay to get your pet the care they need. You'll receive email confirmations and can manage your account online.
Typical Timeline
Application
Fill out form
Decision
Instant approval
Choose Plan
Select terms
Get Care
Immediate treatment
Total time from application to care: Less than 5 minutes!
Common Questions About the Process
Can I apply before going to the vet?
Yes! You can pre-qualify before your appointment to know your approved amount. However, the final application must be completed at a participating veterinary clinic.
What if I'm not approved instantly?
In rare cases, additional verification may be needed. You'll receive an email with next steps. Usually this is resolved within 1-2 business days.
Can I apply multiple times?
Yes, you can reapply after 30 days if previously declined, or apply for additional financing if you need more funds for future treatments.
How do I make payments?
Payments are typically made through automatic bank withdrawals (ACH) or debit card. You can manage your account and payment method online 24/7.
Ready to Get Started?
The process is quick, easy, and stress-free
Start Your Application Now✓ Takes 30 seconds • ✓ No credit impact • ✓ Instant decision