Scratchpay
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Overview
Tagline Brand's website · 2026-10-04
Specialization in pet care financing, a quick and credit-score-neutral application process for eligibility checks, transparent terms, flexible payment options (12-24 months), and wide acceptance among veterinary practices (17,000+).
Description Brand's website · 2026-10-04
Scratchpay provides simple, friendly payment plans for pet care, allowing pet owners to treat their pets now and pay later with flexible terms, affordable down payments, and accessible care through a network of veterinary providers. It offers quick decision applications that do not initially affect credit scores.
Offerings
Core capabilities Brand's website · 2026-10-04
Payment plans and financing for veterinary and pet care expenses.
Pricing Brand's website · 2026-10-04
Interest-based loans with Annual Percentage Rates (APR) ranging from 0% to 36%. Offers include an 'Interest Waived Offer' if paid within 6 months. A $15 down payment is required, and late fees apply for partial or late payments.
Audience
Target industry Brand's website · 2026-10-04
Pet owners needing financial assistance for vet bills, and veterinary practices looking to offer flexible payment solutions to their clients.
Landscape
Competitors Brand's website · 2026-10-04
- CareCredit
- Sunbit
- VetBilling
- LendingClub Patient Solutions
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Claim Scratchpay — free →Page last updated 2026-10-17.