I have used scratch pay three times now and I absolutely love this service. I don’t know what I would’ve done without the help of scratch pay loans in my times of need when I had an emergency with one of my pups. My dogs are like my children but sometimes the vet bills are just over the top and if not for scratch pay I would not have been able to give my dog the best care possible in those urgent times of need. Thank you so much scratch pay for all you do. Not to mention customer service is extremely Easy to deal with they have a phone number to call anytime and there’s always someone there to help you. If I could give more than five stars I would!!! I would recommend scratch pay to any and all my friends who have pets!!!

😡😡😡😡😡😡😡😡😡😡😡😡😡 My advice don't go through scratch pay they will destroy your credit and take everything you are worth. I am writing this because something needs to be done with them there needs to be a lawsuit filed against them. I am also calling and emailing a formal complaint to the Better Business Bureau, ASAP! Our vet emergency happened at 2am in the morning. The office was full of sick animals, some how our email was confused with someone else email address. While waiting for a bill to come electronically, apparently they were emailing the wrong person. However, once I received a text message a month later, I immediately paid the bill. The next month I paid the bill in full. Instead of updating the months that I did pay retroactively, scratch pay said I didn’t pay at all and a delinquency was sent to the credit bureau. Scratch pay has ruined my credit for not paying $50 even though they know the email address was WRONG. Now for seven years I will have a 30 day delinquent on my credit report after not even knowing how much to pay or where to send the payment prior to receiving a text message on my phone. Scratch pay was sending my payment info to someone else email address. After I spoke to a supervisor and explained everything, nothing was done to help restore my credit. I requested to speak to a Manager and still have NOT received that call😡

Scratchpay is HORRIBLE! I had used them twice before. Made all my payments and on time. I went to use it again, and I was denied. I was a good customer with them and now they are denying me. I called customer service and you get someone just reading a script off of the screen. They are very unreliable. DO NOT USE! I am sure I will get a scripted reply on this review. So here's my edit to my review. Scratchpay is still horrible and I got the typical robo reply.

All they ask for is an address and birthdate, the place seems like a scam

After a 2am Sunday Morning phone to vet I acquired about getting some emergency assistance/credit thru ScratchPay which I was denied & then insult to injury the previous evening getting a email notification 12 hours later saying that I was denied again, i guess they do that for good measure but I didn't need told twice about it & to be truthful it was very unprofessional. Maybe you can think twice about sending denied emergency credit to someone after they lose their pet. I could see if it was a simple request for credit etc etc but considering the circumstances I would just leave the pet owner alone & perhaps your guidelines and they way you conduct your business should be reviewed.

We also were in an emergency situation with our Daisy girl, a Great Pyrenees. Scratchpay was fast and offered more then we needed which was so reassuring our girl would receive all the care she would require. So far we have had absolutely no problems with paying or being charged extra fees. Everything is smoothly running along. There are always glitches in today's electronic world. Sorry some folks have had issues.

At one time, Scratchpay seemed like a great company that was really working to help people that would, in most cases, be unable to get financing through other channels. A couple of years ago, I got financing through them for a vet bill. If I remember correctly, they approved me for $1k and 2-3 years to pay. I ended up only needing about $250 but I still paid in installments over a year or so due to my financial situation at the time. Recently when I sought financing for another vet bill, upon completing the app online, they offered $1k with $200 paid upfront and then $200 every other week until it was paid off. I did not accept the offer. A day later I received an email stating that they could not approve me for $1k due to "several factors." For the next week, I received an email everyday that said, "Your approval for $1000 is still waiting for you to complete." I don't know if they've just gotten greedy or if they just decided they don't really care about helping those that really need it. Funny thing is that my financial situation and credit are so much better now than when I actually received financing a year ago.

My dog had a serious accident and I was gone out of town for a hunting trip and when I got back I found out that the accident was so bad my dog passed away the same day so I called around and was referred to scratchpay so I took out a $250 loan through them and I had to pay $50 up front with a bi-weekly payment of $50 so I did and I was good up until December. December was supposed to be my last payment but they said that the money bounced back into my account and I didn't even get the $50 dollars back but I didn't complain about it I just wanted to pay it completely off so they charged me with a late fee of $10 and in January I paid my account completely off with $50 and I was on the phone with one of their representatives when it was payed off and she said okay it is completely paid off I am closing your acount now and she did. Today I got a phone call from them saying that I am 101 days late for a payment and she argued with me that I never paid off my account even though I sent them screenshots of it paid off. My advice don't go through them they will constantly harrass you and destroy your credit and take everything you are worth. I am writing this because something needs to be done with them there needs to be a lawsuit against them. Given the comment down below they did resolve it but I will never go through scratchpay and they only did it because of the review!

I had to have my cat rushed to the vet and the vet recommend Scratchpay. They approved the loan of $1000. By the end of the day my cat was dead and owed money. I tried to pay twice with PAD and was told the payments went through. Then the calls started, so I sent a check with my third payment. According to them they never got it. Long story short, they say they don't accept payments from Canada. Then WHY was I sent to them?

I've used scratchpay a total of 3 times. The first two times were fine. The last time I used scratchpay I was approved and attended the vet appointment as usual. I'm not sure who the error falls upon but the loan balance wasn't submitted in time, loan timed out and it was about a month before I received a call to remedy it. I was told by a scratchpay representative to reapply and submit the total bill. I reapplied and was denied based on the previous application I assume. I ended up paying the vet bill out-of pocket. Since this incident I have been denied anytime I try to apply. The amount of time a loan needs to be used is very short. Considering COVID, the wait times and the limited availability, that should be changed at least temporarily.