I really appreciate it, when I need the most I got approved to get my dog the care he needs, with affordable payment plants.

My dog Simba was in emergency care and I could not afford it. The vet recommended to apply so my dog could get treatment. It was easy, fast and got results back in minutes. So far I do recommend scratchpay it helped me out when I really needed it. I have contacted costumer service to deal with my first payment and they were polite helpful and answered all my questions.

Poorly run company. I had a fraudulent account opened in my name. Person used an incorrect address and used to pay for services on opposite side of the country. I only found out about the account after receiving a late notice in mail. Unlike other businesses who take care of fraud on their end, I was required to file a police report and submit to them to investigate. Only editing this as a response to their reply. AFTER submitting police report I had received both an email and two phone calls from this scheisty company saying the report that I supplied was insufficient. HOWEVER, I had supplied exactly what police department provided to me. After spending 45 minutes at police station, they handed me a victim report and told me this was the only paper they would provide to me. It has a case number on it. Scratch Pay and their own investigation team refuses to contact police department directly as they need to do as per officer's instructions to me. Scratch Pay keeps telling my that "their process" requires me to submit something more substantial. The irony is that they opened an account with a fraudster who used incorrect mailing address, incorrect phone number, and incorrect email...but that person was granted credit one, two three. The law office of Wolf and Fuhrman LLP on Webster Ave in NY is willing to start a class action lawsuit against Scratch Pay. If you have had similar experience with them please respond to this review and or contact the law office of Wolf and Fuhrman LLP.

They double charged me 3 times. Twice in One month! Causing bank account to overdraw twice. They refuse to compensate for everything I went through. DO NOT GET A LOAN HERE! It took hours on phone and multiple emails to clean up the mess they put me through. They agreed I deserved compensation but refused!!!!! STAY AWAY FROM HERE!

Scratch pay is horrible. Please don't waste your time.

Couldn't use it because I got married and my new debit and credit cards have my new last name and apparently it needs to match my profile. Unfortunately because the profile is linked to my phone number, I can't create a new account either. And for some odd reason I can't just update my last name with Scratch pay. So now I guess I can't ever use it unless I get a new phone number or divorce. Neither of which will ever happen. Also its useless to have to use my husband's because I do all the vet app and it sends all verifications codes to his phone which I don't have with me.

I was told by my Vet that I could spread out payments at 0%. Didn't happen. The best they could do is 10.9%. Why would I do this if I could use one of three credit cards I already have at 6.9. What a Joke!

I was told this would not effect your credit, but that is wrong. I have made alll payments but I have this showing on my credit as a new line of credit. I used this only to not have it show on my credit report because I am currently in the process of buying a home and having new lines of credit opening up can mess me up. This company does not disclose all before using them. I will not use again, I would have been better of charging to my bank cedit card.

Pathetically poor customer service. Requested a payment plan and got tough cookies we're going to make some lame excuse because we don't care due to the fact that we are a crock and a scam. This place needs to be dealt with and closed down. Why operate when you are only going to help your relatives and friends.

I got charged for a loan i already paid in full at the vet clinic and never approved of. Each time i tried contacting support for help on how to fix this, i got new and conflicting answers. I have never once in my life gotten angry with customer service workers till scratchpay.