Easy to apply and pay...

Do not get a loan with these people. The interest is a rip off…too high. Get animal insurance.

These loan plans work well as long as Scratchpay bases your loan on past payment history and not just on your credit score. I may have incurred debt, but pay things on time. Also, what helps with these loans is if you can pay a bit more on the loan each time it is due.

The fact that you made it possible for me to get the best for my dog when I didn't have it at the time.

Scratchpay literally took 2 minutes to apply for and get approved. They covered the amount needed to get the care for my baby. The payment plan is so easy with automatic payments. I would receive an email and a text about a week before the payment was due just to remind me that my payment was due. They were beyond amazing when I needed a hand at 1AM. I pray I never need to use them again like in the emergency that I did, but if I ever need a hand to save any of my babies, I know Scratchpay is who I'm turning to!

It really helped me get the surgery done and being approved in minutes. The interest is pretty high, but it's good to get my needs done until the insurance pays it.

Scratchpay was super helpful to me, as there would have been no other way for me to afford the surgery my cat had last year. It took me a year to pay off one of two loans, but that's so much better than any other alternative!

This plan came in at the right time for our dogs surgery, BUT if you pay 2 days late they charge you 19.00 for a late fee plus every time you pay they also charge a 2.50 charge for convenience pay! What convenience? In addition to the high interest you pay . CRAZY EXPENSIVE!

I have an excellent credit score and was immediately declined. From looking at the comments, it sounds like they approve those who are likely to miss or have late payments so they can hit you with their high percentage rates. That's a scam!

Scratch pay has once again been there when I needed, they are a true blessing. Their payment plans have helped me tremendously and didn't break my budget. I will absolutely use their services again and will recommend them to everybody I know.