They currently offer two payment plans – 90-day repayment with no interest or an installment plan over a 12-24 month period with interest, based on your qualifying rate.
Scratchpay will pay the veterinary clinic immediately after you’re approved. For instance, you can pay it off within 90 days or stretch payments to 24 months, depending on your creditworthiness and loan offer. Once approved, you can instantly see your rate and choose a payment plan that works best for you and your current financial situation. Any interest rates will vary from person to person and are based on your entire personal and financial profile. Therefore, you should check Scratchpay’s website to ensure that your vet accepts Scratchpay payments. This finance company only work with certain veterinarians. You can quickly check and apply for a credit plan from your phone or desktop. Scratchpay covers all animals (dogs, cats, birds, reptiles, etc.). Here are some additional benefits of Scratchpay: Note: Submitting an initial application doesn’t negatively impact your credit score, and you always have the option to decline or accept the offer. If you’re not approved for the Pay Later (90-day product) and decide to pursue their Pay Over Time product (12-24 month product) instead, a hard inquiry will be performed, which may negatively impact your credit score. However, if you are pre-approved for the Pay Later product and agree to the initial rate and terms, no hard credit inquiry will be performed. This initial check will not negatively impact your credit score. That is, when you apply, they run a soft credit check so they can offer you the best rates and terms based on several factors. Each offer is based on your specific creditworthiness, cost of the program, amount needed and other factors. Scratchpay: Scratchpay is a financing company that offers a wide range of credit plans to meet your pet’s veterinary needs. They provide the funds for you to get Fido, Muffin or Birdie the care they need today – regardless of whether or not you have the funds available in cash. Both finance companies provide financing to pet owners in need. Two fantastic companies, Scratchpay and CareCredit, are there to help you and your pet when you need it the most. 
You can get them the treatment they need now and pay for them later on. The good news is that you no longer have to worry about paying for your beloved pet’s veterinarian costs. And, if you’re like most pet parents, $2500 is a lot of money – money that you may or may not have available. One emergency veterinarian visit can cost a whopping $2500 or more. There are routine and emergency vet costs, as well as toys and premium pet food to keep your pet happy, healthy and content. However, pet parenthood can be expensive. Not only do you get to share your home with a fantastic pet, but you also get to experience unconditional love every single day. Being a pet parent is one of the most rewarding experiences.
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