Easy application. No credit harm. Funds swiftly for pet care.
Select your care plan amount
Payment plans built for veterinary emergencies—fast, transparent, and designed around your budget, not a credit committee's calendar.
Enter basic details and our proprietary approval technology returns your payment plan options instantly. Soft inquiry only—your credit score stays untouched.
Compare plans side by side with full transparency. Monthly payment, total cost, and APR shown upfront—including 0% APR options for qualified pet owners.
Direct integration with your vet clinic's system. No printing, no faxing, no branch visits. Confirm your plan from any device—even from the waiting room.
The financial decision is complete. Fixed monthly payment, clear timeline, known cost. Your budget stays predictable while your pet gets the care they need today.
See your payment options before you commit to anything
60-second approval check. Soft inquiry only—no credit score impact.
See exactly what you'll pay each month. No surprises, no hidden fees—just transparent financing built for pet care.
This calculator provides estimates only. Your actual rate and payment depend on credit profile, income verification, and underwriting approval. All terms shown before you sign.
Your Monthly Payment
Fixed rate—never changes
Principal vs Interest
Rates are determined by credit profile and plan term. This table shows representative APRs across credit tiers—no hidden fees, no surprises.
Representative example: 5.99%–35.99% APR. Based on $5,000 financed over 60 months. Your actual rate depends on credit profile, income verification, and underwriting approval. All rates shown before you sign.
| Credit | Score | APR Range |
|---|---|---|
| Excellent | 750+ | 5.99–9.99% |
| Good | 700–749 | 10.99–14.99% |
| Fair | 660–699 | 15.99–19.99% |
| Average | 620–659 | 20.99–24.99% |
| Poor | 560–619 | 25.99–34.99% |
Representative example: $5,000 financed over 60 months at 5.99% APR. Total repayment varies by approved rate. All costs disclosed before confirmation.
Soft inquiry only—no credit score damage. Your data is encrypted with 256-bit SSL, never sold to third parties, and protected under federal financial privacy laws.
Every rate, term, and payment amount displayed in full before you sign. Your data is encrypted with TLS 1.3 in transit and at rest, processed solely for approval decisions, and never sold to advertisers or third parties. Request deletion anytime.
Over 500,000 pet owners have used Scratchpay to finance veterinary care without the credit card trap.
“My dog needed emergency surgery on a Sunday night. Scratchpay approved me in 60 seconds with a 0% plan. The vet started treatment immediately. No paperwork, no waiting—just the care my dog needed when he needed it most.”
“I have fair credit and expected high interest rates or rejection. Scratchpay gave me three plan options with transparent pricing. I picked the 12-month term at 14.9% APR—way better than my credit card at 24%. The monthly payment fits my budget perfectly.”
“The soft credit check meant I could compare plans without damaging my score. I saw the total cost, APR, and monthly payment upfront—no hidden fees, no surprises. This is how veterinary financing should work.”
Scratchpay approves a wide range of credit profiles. If you have documented income and an active bank account, you likely qualify. Check your options in 60 seconds—soft inquiry only.
Meet all four criteria and you qualify for an approval check. Your specific plan options and rates depend on credit profile, income, and the amount financed. Checking options uses a soft inquiry—zero credit score impact.
Legal adult status required to enter payment plan agreements in all U.S. jurisdictions.
U.S. citizen or permanent resident with valid Social Security Number.
Verifiable income from employment, self-employment, benefits, or other regular sources.
Checking or savings account at a U.S. financial institution for automated payments.
Credit score is one factor—not the only factor. Income and capacity weigh heavily in approval decisions.
Working email and phone number for identity verification and plan communications.
Direct answers to the questions pet owners ask before checking their financing options. If your question isn't covered here, reach us by phone.
Still have questions?
1-800-SCRATCH-TOPAY · Mon–Fri 8am–8pm EST
No hard credit inquiry. No application fees. Every rate, term, and monthly payment shown in full before you confirm anything.
Get My Financing OptionsLoan Terms & Amounts: Loan amounts range from $100 to $5000. Minimum repayment term: 61 days. Maximum repayment term: 60 months (5 years). All loan products offered through this platform require repayment in full in 61 days or longer.
Maximum APR: The maximum Annual Percentage Rate (APR) for payment plans available through this platform is 35.99%. APR is calculated in accordance with the Truth in Lending Act (TILA), 12 CFR Part 1026, and includes the interest rate plus all applicable fees. Minimum APR: 5.99%.
Representative Example: A care plan of $2,400 repaid over 12 months at a fixed APR of 0% results in 12 equal monthly payments of $200.00. Total amount repayable: $2,400.00. Total interest: $0.00. For plans outside the 0% promotional window: a plan of $2,400 repaid over 18 months at 14.99% APR results in 18 monthly payments of $148.17. Total amount repayable: $2,667.06. Your actual rate depends on credit profile, plan amount, and term selected. Not all applicants will qualify for 0% APR promotional plans.
No Guarantee of Approval: Submitting an inquiry or application does not guarantee loan approval or a specific loan offer. All applications are subject to credit review, identity verification, income verification, and lender underwriting criteria. Approval and final loan terms are at the sole discretion of the participating lender.
Credit Inquiry: Checking your rate uses a soft credit pull and will not affect your credit score. Proceeding with a full loan application may result in a hard credit inquiry, which may temporarily affect your credit score. State availability, loan terms, rates, and fees vary by lender and are subject to change without notice. Not available in all states.
Platform Disclosure: ScratchPay is a veterinary payment plan platform. ScratchPay facilitates payment plan options for veterinary care in partnership with licensed financial institutions. ScratchPay does not guarantee approval or specific plan terms, and plan availability may vary by state. ScratchPay may receive compensation in connection with plan originations, which does not influence the plan terms offered to you. Please review all plan terms, rates, and fees carefully before confirming any payment plan.
Risk Warning: Borrowing money involves financial risk. Failure to repay a loan on time may result in additional fees, negative credit reporting, and collections activity. Only borrow what you can comfortably repay. If you are experiencing financial difficulty, consider contacting a nonprofit credit counseling agency such as the NFCC (nfcc.org) for free guidance.
TCPA Notice: By submitting an inquiry, you consent to receive informational and account-related calls, emails, and SMS/text messages from ScratchPay and its partners at the phone number and email address provided. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages at any time. Reply HELP for help. Consent to receive marketing communications is not a condition of obtaining financing. See our for full details.