Borrower Login
With Scratch Pay’s transparent, affordable financing, your pets can get the care they deserve.
Find a transparent payment plan you can trust.
Apply in minutes without affecting your credit score.†
Check your rate, and choose the plan that’s right for you.
Scratch pays your veterinarian, so you can get the pet care you need!
†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.
^Interest Waived Offer (“Offer”) applies to eligible 12- or 18-month closed-end loans.
Number & Frequency of Payments
12 Monthly Payments*
APR
0-36%
Down Payment
$15
Number & Frequency of Payments
12 Monthly Payments*
APR
0-36%
Down Payment
$15
Number & Frequency of Payments
24 Monthly Payments*
APR
0-36%
Down Payment
$15
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.
A great rate on your Scratch Pay loan could get even better with the Interest Waived Offer.^ When you pay off your full balance within the first 6 months, we’ll credit back any and all interest you paid. Just make all your monthly payments on time and notify us that you want to take advantage of this incredible offer.
^Interest Waived Offer (“Offer”) applies to eligible 12- or 18-month closed-end loans.
We believe patients deserve access to affordable care.
As the leader in payment processing and financing for veterinary practices across the U.S. and Canada, we’re creating products and services that simplify and add delight to patient and practice experiences.
FOLLOW US
GET THE APP
Scratch Pay plans in the US are issued by WebBank, while in Canada, they are issued by ©Scratch Financial, Inc. ©Scratchpay (NMLS ID#: 1582666). Eligibility is required for these loan products, and Scratch Pay plans may not be available in all states.