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Start with Scratch Pay

With quick decision applications, it’s simple and easy to get the pet care you need. Finding a payment plan will not affect your credit score.^†

Find a Payment Plan

12 Months

Number & Frequency of Payments

12 Monthly Payments*

APR

0-36%

Down Payment

$15

24 Months

Number & Frequency of Payments

24 Monthly Payments*

APR

0-36%

Down Payment

$15

†Checking your eligibility for a plan will not impact your credit score. If you are approved and accept a loan, repayment activities may be reported to the credit bureaus.

Late fees apply. All payment plans and loans are subject to approval and, with respect to the loan, the rate for which individual borrowers qualify may vary based on individual credit history and other factors.

*Scratch Pay plans are available in 12 to 36 month terms, range in approved loan amounts from $200 to $10,000, and with annual percentage rates (APR) ranging from 0% to 36%, with the lowest rates for borrowers with exceptional credit profiles. Monthly payment amounts on plan will depend on the term length, amount financed, and APR. For example, a 12-month payment plan for $10,000 with 5.99% APR would have 12 monthly payments of $860.62 for a total repayment amount of $10,327.44. Signing for a plan means the borrower agrees to make all payments in full and on the scheduled due dates. A borrower may incur late fees for partial or late payments that may result in higher interest charges and repayment schedule. To obtain financing, a $15 down payment is required. Autopay enrollment is optional for 12-month, 24-month, and 36-month plans. Refunds are given for unused plans.