"Without scratch pay help I would of had…"

Without scratch pay help I would of had to put my fur babies down. They made it easier on me to have a payment option.

"Love ScratchPay ❤️ "

Love ScratchPay ❤️
In a Emergency room with my cat 🐈.
Worrying how i was even gonna pay.
The ER VET told me about Scratchpay.
Easy form to fill out and was approved in seconds.
I recommend them to everyone.
Thank u for being there when I needed and my cat 🐈 too.

"Extremely limited & not well put together "

I like the concept of scratch pay but i dont like the execution. They make it quick and easy to get a loan and their customer service responds fast. However, I don’t recommend it and would rather recommend CareCredit. Almost every concern or question i have had, there is nothing that can be done about it. It seems this company and its digital platforms were just thrown open without consideration of the user’s/applicants. Customer service and the online platform are extremely and unhelpfully limited. Changes to my profile such as removing, editing or hiding information cannot be done online. There are no log in options and users are forced to not only use their phone number to log into their account but send google their information/phone number (read the fine print at log in). There are NO options to NOT share that phone number with google. Of course like all companies say “we value your privacy” but it is evidently not true with this one. In addition to not being able to control my own profile, this loan CANNOT BE USED AT DIFFERENT FACILITIES. Which means if you go to your primary vet and they start treating your pet and then they recommend you to switch to an emergency care clinic- you cannot use the same scratchpay loan. You will have to take out another loan.
Aside from all the limitations, they don’t even give a proper statement! There’s no option online to see each charge. So if you go to the facility 3 different days and get 3 different charges you will NOT SEE 3 different amounts charged and by whom- you will only see 1 lump some. Make sure to get receipts from vet otherwise you’re SOL.

"Not a huge fan of this"

Not a huge fan of this. Doesn’t allow to set payment plan or reminders to pay off proper to interest date. Horrible interest rate even with a 800 credit score. Beware

"Quick and easy approval "

In a time of need, I had no money and I had to take my dog to the pet hospital - Scratch Pay came through. I was approved for the loan within minutes and my dog was able to get the care she needed.

"Relief during Dog ER Visit"

We had to take my dog to the ER in Nov and applying for Scratchpay was quick and easy which allowed us to continue treatment quickly. I was given the option to pay it off in 6 months for 0% interest as well and this worked well for me. Their customer service was great as I accidentally made an overpayment for my first payment and their call center helped me reverse it.

"Easy Peasy To Use"

Easy Peasy To Use

"Lifesaver"

Scratchpay allowed me to pay for my beloved dachshunds lifesaving surgery. They were always responsive and timely and easy to work with.

"Easy to apply"

Easy to apply. Great payment plan.

"Thank you"

Thank you, Scratchpay for making it so easy for me to make payment plans. Me and my kitty cat are grateful.