So easy to use and really helped us when our cat suddenly had to go to the vet. The payments where affordable and easy to make.

Sratchpay was available to me when I needed emergency service for my dog. Thank you for your help in meeting my financial needs

I hav used Scrtachpay twice in the past for unexpected surgeries for two of my cats with conditions considered as "preexsisting" my their insurance. I applied in February for $190. I know it's a small amount, but I had an expensive, unexpected car repair. I was approved. Scratchpay wouldn't take the debit card I always use. So I ask my mom can I use her card since the expiration date is in December for hers. She lets me, I r-apply for the SAME amount. I am DENIED. My cat's appointment is next week and now I have n idea what to do. She has IMHA and she needs to be checked. I'm so furious and I will never recommend this service to anyone nor will I use it again. I could see if they thought I was a credit risk with a 400 or 500 dollar loan but under $200????? I could have easily managed the $38 a week and paid the balance in full when I receive my paycheck at the end of the month.

I WONT EVER use this place again. Charged me a late fee for their faulty system. I used the EXACT same account they keep saying they ran. Which I never received a overdraft fee from their supposedly running the ACH Payment. What a JOKE? Can’t wait to pay this off. They should just throw this whole company in the garbage. I have to pay a late fee to do their job!!! UNBELIEVABLE

I'm giving 1 star only because I have to. For the last 3 months I have had to deal with my payment not being taken out. No email sent as to why , just a text. I called payed my payments and my said they have record of a company trying to withdraw money on that amount. I called in the 2nd month to verify and then that's when my account number was updated. The 3rd month it went through. Before the 4th month I paid off the accounts and the amounts due show 0 but , no Money not taken out of my checking account. I have 3 scratch pay accounts. How convenient that I now get charged an extra 15 dishonorable charge added onto each account because my payment didn't go through on account number that was just updated. But didn't go through again when I paid them off. TERRIBLE COMPANY. I'd like to slap them with my dishonorable fee right up their a$&...

So far so good, our feline companion needed emergency surgery and this product made it possibles

Scratch Pay makes life easier when an emergency arises. My pup needed emergency surgery, I was stressed out and had no idea how I’d pay for her to get the surgery she needed. I didn’t know about Scratch Pay but my girlfriend referred me because she used it for her pups in an emergency. I applied and instantly got approved, I was relieved. It makes emergency situations less stressful knowing your fur babies can get the help they need. My Vet was paid in full, and I was able to make payments to pay back my loan. I love Scratch Pay. No stress with financial help, during an emergency situation. I’ve referred them to many friends.

So helpful to have this option available to help pay vet bills. So easy to use and convenient especially when you are having to pay for your sick dog or cat.

Thanks to ScratchPay I was able to request the best canine remembrance for my two pets.

Me and my husband both applied for scratch pay because we were told it’s based off income instead of credit. We both were denied. When I called to see why , I was told that I had a lack of real estate information and my oldest account is too recent. When I explained I have only rented, they didn’t seem to care. I’m only 27 and my oldest account it 6 years old. So I’m confused as to why I wasn’t approved. When I asked to speak with a supervisor, I was told she was “in a meeting.” It was just excuses the whole time. I will never apply again or ever think about using them again.