Scratchpay is a financial services brand focused on helping pet owners manage veterinary care costs while supporting veterinary practices across the United States and Canada. Its platform offers payment plans and financing for eligible veterinary expenses, connecting borrowers with participating providers. Applicants can check available options through a quick application, and checking eligibility does not affect their credit score; approval and loan terms depend on individual eligibility and credit factors.

Scratchpay plans generally range from $200 to $10,000, with terms of 12 to 24 months and a required $15 down payment. Rates vary by borrower and may range from 0% to 36% APR. Some eligible applicants may receive an Interest Waived Offer, which can waive interest when the principal is paid within six months, subject to the offer’s terms. Late fees may apply, and approved loans require repayment as scheduled.

For practices, Scratchpay provides payment processing and financing services, including Scratch Checkout, and offers practice support and demonstrations.