My vet office told me about Scratch pay and after applying was immediately approved even though I am on a fixed income. My kitten needed immediate surgery and without Scratchpay I did not have the money to pay for it. Scratchpay was literally a lifesaver for my little Sparkle. Thank you so much!!!

Terrible experience. Tried to make a payment, I was never notified it did not go through, tried three more times, payment never went through, AND they charged me return fees. They money has been sitting in there. Finally they offered to do it over the phone, and magically knew my debit card number! They are terrible and I will not recommend them to anyone.

The only bad thing I can say is that literally no one at the vet knew about them. But as a service they are amazing and extremely helpful, they simply need to up the marketing and advertising.

Everything is fine until the FINAL payment. I've been trying to get payment through for two weeks after we had to get a card replaced (it expired). Several cards tried, ACH as well, windows and mac. Also, there is no way to delete payment cards? I sure hope I'm missing something there. I just want to pay them, and it's far too challenging.

I took my dog to the vet for a nail trim, because he is alittle aggressive, turned out to be more expensive then planned on. I was referred to an other vet less expensive with payment options. I applied and was accepted with Scratchpay was was able to move forward with the other vet.

I love the scratchpay I was able to get my cat Declawed and Neutered and everything else he needed without taking the money out of my pocket that day worked out great ❤❤❤

I have paid off a loan with them tried to reborrow a loan told me I didn't have enough revolving credit with a 681 credit score. I will never borrow another loan and I will tell others not to borrow.

I used Scratch originally to get my dogs teeth cleaned cause it was 1100 i wasn’t expecting and it was a good choice then my dog was suddenly diagnosed with a Sarcoma Tumor in his chest at 7 and I was in ER parking lots nightly 5 hrs waiting in the dark while they drained fluid from his chest day after day and then they paid when he went through surgery to remove the tumor eventually I lost my battle and Mighty passed and i am heartbroken but I am grateful they made it possible for me to fight for him and give hm the care he needed and the tests etc… beacuse these Vet ER Hospitals are vicious unsympathetic financial vampires and scratch pay was backing me up and it really helped to make the hi estimates payments while my dog was waiting in an oxygen tank and trust me I was shaking like a leaf. once the insurance reimbursed me I easily called and paid of each by each account with no issues and I am able to rest easy that I fought for my baby as long as we could he had the best care. Thank You Scratchpay MightysMom

Can only speak to my own experience and not the negative ones some here have had, but I had zero problems. Approval was instant, the entire process went quickly and smoothly and helped me a lot during a difficult time. Would use again

It was perfect and made it possible to get my cat the surgery she needed when I couldn't pay out of pocket.