"My Experience with Scratch Pay was Excellent "

My Experience with Scratch Pay was fabulous! I will definitely use them again!

"Very predatory"

Very predatory. My husband asked for a $4K loan and was given $5K (we did not want 5). You get 6 months interest free if you set up autopay upon signing up, but it set you up for 12 month repayment without being clear about it. If you don't double check it you will not repay the loan back in time and be hit with interest fees. You also cannot adjust the payment schedule, so now we have to go in manually every month to pay off more to make sure we don't hit the 6 month mark. It is one thing to have fine print but a whole other to trick someone into owing interest due to your autopayment schedule which sets people up to fail.

"I’m so grateful scratch pay was…"

I’m so grateful scratch pay was available for the veterinary emergency. I don’t know what I would have done without!

"I had no other option thank you"

Thank you for the loan to save my dogs life!

"I am so grateful for scratch pay"

I am so grateful for scratch pay. My dog needed an emergency surgery and without them I wouldn't have been able to do it and I would be without a puppy today. But now she's in great shape and I am so grateful. Thank you. Scratch pay for trusting us.

"Crucial time of need for our family"

Our dog was diagnosed with cancer and required specialist appointments and assessments. We already had an account open with Care Credit but, it was not enough to cover the vet bills. Our veterinary clinic suggested Scratchpay so, we applied. I am so happy we did. It enabled us to get all the services and care we needed for our dog and really put our minds at ease. They are so easy to work with and offer different options to pay off the amount you need with as little to no interest, based on your circumstances. So thankful for the assistance at a time in our lives that was so difficult to navigate. Thank you for your support and assistance. Our family is forever grateful.

"Appreciate the assistance so my dogs could get help!"

Appreciate the assistance so my dogs could get the necessary medical services. I would have liked to have been able to set up an ach but it never seemed to work properly. Otherwise it was great!

"Thank you Scratchpay for helping with…"

Thank you Scratchpay for helping with my pet emergency!!!

"Easy and convenient "

Easy to use the app, gives people the option to pay off either monthly or however much they want whenever. Found it really helpful to use Scratchpay so that I didn’t have to pay a large lump sum of money for my dog’s procedure all at once. Interest does accumulate every day, but I believe there is a zero interest promotion if the loan is paid off within 6 months.

"Quick funds and reasonable payment plan"

Quick funds and reasonable payment plan