If I could write no stars I would. I received a loan from them for $8500. Never set up autopay (old school, just don’t like it) but I am constantly looking at my bank account. I noticed they were authorizing $1 payments randomly from my debit card they had on file. Contacted them immediately, even though it’s only a few dollars, they shouldn’t be in my account WITHOUT MY PERMISSION. Especially when im making $1000 payments a month. No one has answers. I’ve talked to 4 “employees” and they all just say we will call you back in 24-48 hours. Then the same conversation all over again with a new agent. They need too be turned into the federal business bureau. I’m done. Not trustworthy at all. Not worth it!

I really wanted to leave this company a good review for anyone who is looking for that little bit of help that they need. I really thought I was going to lose my kitty due to a vet bill of over 2k, but thanks to go fund me and Scratchpay I was able to get him back to health. I am so grateful to Scratchpay because of their generosity and not having interest fees. I love that they are trusting toward their borrowers immediately. They were super fast with getting the money to my vet as well. I have one last payment with Scratchpay and my loan will be paid off. I hope I never have to get another loan due to my cat being sick but if I do, I know Scratchpay will be there to help. Thank you Scratchpay 🙏❤️

So I paid off ON TIME EVERY TIME 6 ( count them SIX) payment plans totaling over $850. I am a loyal , good paying customer. Recently needed ( get this!) $114.00. They refused to set up a plan! Really?? After I have proven I am a good customer??? I’m completely done with this company! I applied for Care Credit and got approved immediately. I am never late on ANY bill. I even paid MORE than I had to at times. When I see this stupid organization crash and burn I’ll know why.

Based on income?? So poor people just get to watch their pets die because of your classist approach?

At first it was a misunderstanding, I thought someone hacked into my bank account because is only said scratch and not scratchpay in the details on my bank statement. When you look up scratch it shows a child game. So my bank card was canceled and after I realized it was Mmy mistake and I asked my bank to reverse the funds back to them. Scratchpay called and I explained to them what happen and whatnot. They told me they understood and things happen. Now mind you im on disability. My bank did reverse the funds 2 days later with was a Friday, Monday I called scratchpay and told them that it was reversed on Friday. The agent I was talking to stated in order for the funds to be reverses back to them they need my new card information. Ok cool, I gave it to them and that's it. Come Wednesday, not only did that get their reverse payments but then I see a charge of 108 dollars. (My payments are 54 each month which is 5 months.) So I called then back and explained what happened and why did they charge me 108 dollars. So for a month and half it was "being investigated" all I asked was for the last payment to be dropped because I was lied to about only having my new card on file to reverse the charges and then being double dipped of another 2 on the same day. Month and half later a main supervisor calls me and I had to tell him the whole store again, he tells me their NOTHING they can do about and it was a charge. So not ONLY the agent gave me false information but double dipped into my account without my permission. This supervisor got crappy with over the phone, I asked him if he's backing this liar agent and how they theived off a guy on disability. He said yes!! Do not do any business with these people. You can admit that you are wrong yet they lie to you, give you misguided information and they double dip into your account and their bosses backs then. I told them 4 times I'm on disability and they screwed me hard!!

ScatchPay came through for me when CareCredit didn't. I was approved for my loan for veterinary care in seconds after I applied. Easy repayment set up with affordable monthly installments. They saved my cat's life! I recommend ScratchPay.

They have screwed up my credit. Reporting to the credit bureaus that I have 3 missed or late payments when I have not missed one payment as my account is on autopay and according to my account on their website there is no missed payments. Such a joke!

This company is horrible to work with. I set up auto pay for my payments, just like I have all of my bills. From the first payment it said it went through but then they contacted me to tell me I was late and my bank account information was wrong. I knew it was all correct. They advised me to remove my bank account and re enter it. I tried multiple times, but the payment method would not delete off the account. I tried re enter it multiple times and it kept telling me account information already exists. They had to get there technical support involved as they admitted it was all on their end. Tech support was to suppose to have it fixed, but no. I took off auto pay and paid the total amount because I had wasted so much time of my life on this. Just got an email that stated payment did not go through, bank account does not exist. WTH. Run as fast as you can from this company. Stick to Care Credit!!

I applied for Scratchpay last year, when one of my cats had a urinary blockage. The vet told me that I had to have at least $600 up front. I had applied for care credit, but didn't get approved. The lady at the vet asked me if I had ever heard of Scratchpay. I told her I hadn't, but I'd apply and see what happens. I was approved for $600, which would at least be enough for them to start the surgery. Without Scratchpay, I'm not really sure what I'd have done. The loan agreement was payments by the end of the month, so I'd usually pay early and pay more than what the monthly payment was. I got the loan paid off with no issues. I'm really thankful for Scratchpay. My cat could have been dead right now had I not been approved for that loan.

I’m so grateful for the credit. So my dog could have the surgery he desperately needed.