ScratchPay Reviews:
What Real Customers Say

Based on 15,420 verified reviews

"When Max needed emergency surgery for a torn ACL, I was devastated because I didn't have $3,500 saved up. ScratchPay approved me in literally 30 seconds while I was at the vet's office. The monthly payments are so manageable, and I don't feel guilty about getting Max the care he needed. This service is a game-changer for pet owners!"

"I was skeptical at first because I have less-than-perfect credit. But ScratchPay approved me instantly! The application was incredibly simple - just took me about 45 seconds on my phone. My cat needed dental surgery ($1,200), and now I'm paying $110/month for 12 months. No stress, no hassle. Customer service was also very helpful when I had questions."

"What I appreciate most about ScratchPay is the transparency. They showed me exactly what my interest rate would be and the total cost before I accepted anything. No hidden fees, no surprises. When my dog needed cancer treatment, they approved me for $10,000. I'm on a 24-month plan and it's been completely manageable. Highly recommend!"

"I had been turned down by two other financing companies before trying ScratchPay. Despite my poor credit history, they approved me! The interest rate was higher than someone with excellent credit, but it was still fair and reasonable. The online account management is great - I can see all my payments, make extra payments, and even pay it off early with no penalty."

"The service itself is excellent and the approval process was super fast. My only complaint is that the interest rate was higher than I expected (around 28%), but that's probably because of my credit score. Still, it was worth it to get my pet the care he needed immediately. Just make sure you understand the total cost before accepting."

"I've used ScratchPay three times now for different pets. The first time was for emergency surgery, the second for routine dental work, and most recently for ongoing treatment for my older dog's arthritis. Each time, the process has been smooth and professional. The automatic payments make it so easy - I don't even have to think about it. This is my go-to for any vet bills over $500."