We make pet care affordable and stress-free. Apply in minutes.
Select your care plan amount
Veterinary financing built for how emergencies actually work — fast, transparent, and designed around your budget, not a credit committee.
Enter a few basic details and Scratchpay's proprietary technology returns your available payment plan options in under a minute — using a soft inquiry that never touches your credit score.
Review your plan options side by side. See the monthly payment, total cost, and APR for each before you choose. Including 0% APR promotional options for qualified applicants.
Scratchpay integrates directly with your veterinary practice's system. No printing, no branch visits. Confirm your plan digitally from any device — at the clinic or from the waiting room.
The financial decision is made. You know the amount, the term, and the monthly payment. It becomes a fixed line in your budget — and your pet gets the care they need, today.
See your plan options before you commit to anything
Takes 60 seconds. Soft inquiry only — zero impact to your credit score.
Slide to your desired amount and term — see your fixed monthly payment instantly.
This calculator is for illustrative purposes only. Actual rate and payment depend on creditworthiness, income verification, and lender underwriting criteria.
Monthly Payment
Fixed for the life of the loan
Principal vs Interest
Our rates are determined by your credit profile and loan details. The table shows representative rates across all credit tiers — no hidden costs, ever.
Representative APR 5.99%–35.99%. The Representative APR is based on a loan of $5,000 over 60 months. Not all applicants will receive the representative rate; your actual rate depends on individual circumstances.
| 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% |
Example based on $5,000 loan over 60 months. Representative APR 5.99%. Total amount repayable varies by rate.
Checking your plan options uses a soft inquiry only — zero impact, zero reporting. Your personal and financial data is encrypted in transit and at rest.
Every rate, term, and payment amount is shown in full before you confirm anything. Your information is collected only to process your plan check — encrypted via TLS 1.3 in transit, encrypted at rest, and never sold to advertisers or unaffiliated third parties. You may request deletion at any time.
More than 50,000 people have used our marketplace to find a loan that fit their actual budget.
“I had three credit cards all charging over 22% interest. Consolidating them into one fixed payment at a lower rate cut my monthly outgoing by nearly $200. The process was straightforward and I had the funds in my account the next morning.”
“My water heater failed on a Saturday. I submitted my application that afternoon, reviewed my offer Sunday evening, signed electronically, and the funds cleared Monday morning. I genuinely did not expect it to be that fast.”
“My credit score was 592 when I applied, so I expected a flat rejection. Instead, I received a real offer with a fixed rate and a clear repayment schedule. Knowing the exact payment every month makes budgeting a lot less stressful.”
Scratchpay serves a broad range of credit profiles. If you have consistent income and a bank account, checking your plan options takes 60 seconds and never affects your score.
Tick all four and you meet the baseline criteria. Your available plan options and rate depend on your credit profile and the plan amount selected. Checking takes 60 seconds and uses a soft inquiry only.
You must be a legal adult to enter into a payment plan agreement in any U.S. state.
Must be a U.S. citizen or permanent resident with a valid Social Security Number.
Regular income from employment, self-employment, pension, disability, or other documented sources.
A checking or savings account at a U.S. bank or credit union for payment processing.
Scratchpay evaluates a range of credit histories. Your score is one factor — income and overall profile also matter.
A working email address and phone number for identity verification and plan confirmation.
Straight answers to the questions pet owners ask most before checking their plan options. If something is not covered here, our team is available by phone.
Still have questions?
1-800-SCRATCH-CARED · 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.