Loved the ability to pay over time with zero interest! Interface was very easy to use.

A fine option. Would never do it again though, almost 30% APR made me want to Kermit Sewer Slide.

1 star due to not being approved, even though credit score is above 750 and no collection issues. Application was easy peazy, but being denied at the time of need when our 4 legged family memeber is in need is disgusting

I had auto pay setup, my payment wasn't taken out, I was dinged on my credit and when I called to ask to make the correction I was told I could do nothing until I paid in full and then I could call back and beg for a mailing address that I could send a letter with my concerns

It was great. My dog medical bill was high and if it wasn’t for scratch, i wouldn’t have been able to get the care she needed. I was able to qualify for enough ti pay her expense. They gave me 6 months to pay it off without interest.

I was an absolute mess when the vet told me what it was going to cost to start the lifesaving efforts of my baby because it sounded impossible. Scratchpay made it possible. The approval process was quick and painless, and my baby is here with me recovering ♥

I love ScratchPay. It allows me to spread out vet bills so I can give my paw babies the medical care they need without stressing about finances too much.

Love Scratchpay! We have used them several times. We always go thru them for our vet bills and will continue to do so. Just recently last year used it for dental which came in very handy. Can't say enough good things about this company. Have never had any problem's or issues and customer service has always been top notch.

Horrible. Such a predatory loan… I had to refinance the payments through my bank just to be able to survive month to month. Little to no options for different terms and an insanely high interest rate. This was presented as my only option at the Allied Emergency Veterinary Service on Nicollet Ave in Minneapolis. This company is only here to try and scam you into getting your money under the guise of caring for your pets. If you can for your sake please avoid this loan service and try to figure something else out through friends, family, or other loan services. This company is NOT on your side. Be warned.

Thank you for always being there when we need this. This has helped us multiple times. This is amazing