Very easy & fast application process and I didn't need a high credit score. My credit cards interest rate were all close to 30% which is similar to ScratchPay, but they have 0% interest for 6 months if you pay it off within that 6 months. Was a no-brainer. Paid it off in less than 5 months and very happy.

There was an issue with payment and customer support was extremely responsive and swift to refund me so I could sort out the issue with my pet provider first. 10/10 customer service, thank you!

I love scratch pay. It allowed me to take my pet (one of the family) to the vet for much needed medical help. Thank You Scratchpay!

Scratchpay took the financial stress off my back when my puppy was diagnosed with Parvo. I was able to get him top-tier treatment thanks to the reassurance that I had 6 months to pay the vet bills off, interest free. Payments were easy to make and they constantly remind you of the offer, which built trust with me as a customer. THANK YOU ScratchPay!

Good! Paying off the vet!

When I needed the most help for my little Frenchie they scratch was there.

I used scratchpay, but my cat passed weeks after treatment. Paying over a year, every reminder of payment due reminding me of my loss. My interaction with the app and service were fine. But I'm uninstalling this app after my review.

Refreshingly simple and user-friendly web portal! Easy to change or modify the payment plan.

EXPENSIVE! It was great getting the money because it was an emergency, and I know this is how you make your money. If I'd had other options I wouldn't have done this- 29.9% interest is ridiculous, especially for people who don't have the funds in the first place.

Very useful.