I was quickly approved for enough to cover my dogs emergency medical visit. Had several months to pay off loan with no interest. However, if you don't pay off loan in the scheduled time frame, you'll be charged for all interest. They do tell you how long you have to pay it off.

Low interest and so happy this was available to me I tried to save my dog Bear this helped me have him for an extra two weeks until it was time to just let him go so thank you for helping me

Had a great experience. No problem getting the help I needed. Only issue was trying add a new payment method. You have to go on your laptop or desktop computer to do that. No big issue and I would highly recommend ScratchPay to others.

The whole process from applying to receiving an answer and payments was VERY easy and QUICK. Customer service was GREAT and always helpful. Highly Recommend !

Very easy to keep up with the payments. Flexible payments when you need to pay and don’t got the cash. When there is an error on the account they will fix it.

Excellent service during a medical crisis. I would definitely recommend Scratchpay.

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

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 available for the veterinary emergency. I don’t know what I would have done without!

Thank you for the loan to save my dogs life!