Trusted by 140M+ Pet Owners

Scratchpay Pet Care Financing You Can Trust

Give your pets the care they deserve today. Scratchpay offers instant approval financing with 0% APR options, no hidden fees, and flexible payment plans that fit your budget.

Apply in 2 Minutes β†’ See How It Works
Happy pet owner with dog using Scratchpay financing at veterinarian
$10K
Max Financing
0%
APR Options
11K+
Partner Vets
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Apply Now
Get approved in 2 minutes
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Instant Approval
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No Credit Impact
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4.5/5 Rating 1,532 Trustpilot Reviews
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Bank-Level Security 256-bit SSL Encryption
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NMLS Licensed ID #1582666
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11,000+ Vets Nationwide Coverage
Our Services

Our Pet Financing Services

Comprehensive financing solutions designed specifically for pet owners. From routine checkups to emergency surgeries, we've got you covered.

Scratchpay emergency vet care financing for dogs

Emergency Vet Care

When emergencies strike, don't let finances delay your pet's treatment. Get approved in minutes.

  • Instant approval decisions
  • Use same-day at the vet
  • Cover any emergency procedure
Scratchpay routine pet care and vaccine financing

Routine Care & Vaccines

Keep your pets healthy with preventive care. Budget monthly for checkups and vaccinations.

  • Annual wellness exams
  • Vaccination schedules
  • Preventive medications
Scratchpay dental surgery financing for pets

Dental & Surgery

Major procedures don't have to break the bank. Finance surgeries and dental work affordably.

  • Dental cleanings & extractions
  • Orthopedic surgeries
  • Spay/neuter procedures
Scratchpay specialist veterinary care financing

Specialist & Advanced Care

Access the best specialists for your pet. Finance oncology, cardiology, and more.

  • Cancer treatments
  • Diagnostic imaging
  • Chronic condition management
Simple Process

How Scratchpay Works

Get approved in minutes, not days. Our streamlined process gets you the financing you need fast.

1
Apply online for Scratchpay pet financing

Apply Online

Complete our simple 2-minute application from your phone or computer. No paperwork needed.

2
Get instant approval for Scratchpay financing

Get Approved

Receive an instant decision with a soft credit check that won't affect your credit score.

3
Choose your Scratchpay payment plan

Choose Your Plan

Select from flexible payment plans including 0% APR options for 6-24 months.

4
Use Scratchpay at veterinary clinic

Get Care Today

Use your approved amount immediately at any of our 11,000+ partner veterinary clinics.

Why Trust Us

Built on Trust & Expertise

Scratchpay is backed by industry-leading standards in financial services and pet care.

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Experience

Serving Pet Owners Since 2016

Over 8 years of helping millions of pet owners afford quality veterinary care. We understand the bond between pets and their families.

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Expertise

Financial Services Specialists

Our team includes licensed financial professionals, veterinary consultants, and customer service experts dedicated to your success.

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Authority

NMLS Licensed #1582666

Fully licensed and regulated by federal and state agencies. Partnered with WebBank for secure, compliant lending practices.

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Trust

4.5β˜… Trustpilot Rating

Verified by 1,500+ real customer reviews. BBB accredited with transparent terms and zero hidden fees. Regulated by CFPB standards.

Real Reviews

What Pet Owners Say About Scratchpay

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4.5 out of 5 Based on 1,532 reviews
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Saved My Dog's Life!

"Our cat needed an emergency thoracocentesis. Scratchpay allowed us to put only $15 down for the entire ER visit and gave the option to pay interest-free for 6 months. The approval process took less than 2 minutes."

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Scarface S. December 2025
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When Others Said No

"When others said no, Scratchpay said yes! The application was easy and payment terms were simple and affordable. Thank you Scratchpay for saving my dog's life. Forever grateful."

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Coby M. November 2025
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4 Years of Trust

"It's such a relief knowing that Scratchpay is out there. I've used Scratchpay often these past four years. It's easy to apply, just make sure your veterinarian accepts Scratchpay. Easy to use!"

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Santoyo S. December 2025
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Emergency Lifesaver

"When my dog faced a sudden emergency, Scratchpay truly came through for us. It gave us the breathing room we desperately needed to get her the care she required without financial panic."

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Angie R. October 2025
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Best Pet Financing Option

"I worked in the vet field for 16 years and recommended Scratchpay to several clients. Scratchpay is the absolute best way to get financing for pet care. Simple, fast, and trustworthy."

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Gertie's Mom September 2025
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$7K Hospital Bill Covered

"Our beloved pet was in the hospital for 3 nights. Our bill was just over $7k. Being approved for Scratchpay allowed us to save our baby. Can't thank them enough for this service."

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Monique S. December 2025
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Reviews sourced from Trustpilot

Join 1,500+ Happy Pet Owners – Apply Now
Questions?

Frequently Asked Questions

Everything you need to know about Scratchpay financing.

Scratchpay is a pet financing service that helps pet owners pay for veterinary care through flexible payment plans. We offer 0% APR options, instant approval with no credit score impact, and financing up to $10,000 at over 11,000 veterinary clinics nationwide.
No! Scratchpay uses a soft credit check for approval, which does not impact your credit score. You can check your rate and see your options without any risk to your credit.
Most applicants receive an instant decision within 2 minutes. Once approved, you can use your financing immediately at any of our partner veterinary clinicsβ€”perfect for emergencies.
Scratchpay can be used for all veterinary expenses including emergency care, surgeries, dental work, routine checkups, vaccinations, prescriptions, and specialist treatments for dogs, cats, and other pets.
Scratchpay offers 0% APR promotional plans for 6, 12, 18, or 24 months. Extended payment plans are available up to 60 months with competitive rates based on your credit profile. No prepayment penalties ever.
Absolutely not. Scratchpay is committed to transparency. There are no hidden fees, no annual fees, no prepayment penalties, and no deferred interest surprises. What you see is what you pay.
We partner with over 11,000 veterinary clinics nationwide. Use our provider locator tool to find participating vets near you, or ask your current vet if they accept Scratchpay.
Yes! Scratchpay is NMLS licensed (#1582666), partners with WebBank for secure lending, uses bank-level 256-bit SSL encryption, and has a 4.5-star rating on Trustpilot with over 1,500 verified reviews.

Ready to Give Your Pet the Care They Deserve?

Apply for Scratchpay in just 2 minutes. No credit score impact. Instant decision.

Apply Now – It's Free β†’ πŸ“ž Call 1-800-SCRATCH-ANIMALBILL
No Credit Score Impact
0% APR Options Available
Instant Approval
No Hidden Fees