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15,000+ pets funded this month

Don't Let Costs Delay
Your Pet's Care

Get up to $5,000 instantly. Check your rate in 60 seconds with zero impact to your credit score.

All credit types welcome
Decision in 2 minutes
Use at any vet
$100 $2,000 $5,000

No impact to your credit score

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15,000+ Pets Funded
4.8/5 Customer Rating
256-bit SSL Bank-Level Security
Licensed CFPB Compliant
FAQ

Questions? We Have Answers

Everything you need to know about getting your pet funded.

Will checking my rate hurt my credit score?

Not at all. We use a soft credit check that has zero impact on your score. You can check your rate with confidence—no obligations, no surprises.

How fast will I get my money?

Once approved, most funds are deposited by the next business day. Some lenders offer same-day funding so your pet gets care without delay.

What do I need to qualify?

Basic requirements: Be 18+, a U.S. resident with a valid ID, have a steady income, and an active bank account. We work with all credit types.

How It Works

Get Your Pet Financing in 3 Simple Steps

No paperwork. No waiting in line. Everything happens online.

1

Apply Online

Fill out our simple 2-minute form. No impact on your credit score.

2

Get Approved

Receive personalized offers from trusted lenders in seconds.

3

Visit Your Vet

Use your funds at any vet. Your pet gets the care they need today.

Payment Calculator

See Your Monthly Payment

Choose a payment plan that fits your budget.

Loan Amount $2,000
$200$5,000
Best Value

Pay in 5

$400/mo

0% APR

12 Months

$181/mo

15% APR

24 Months

$110/mo

28% APR

Why ScratchPay

Built For Pet Parents

Fast Decisions

Get your decision in minutes, not days.

No Hidden Fees

Transparent terms with clear pricing upfront.

All Credit Types

Lenders who consider all credit histories.

Any Vet Accepted

Use at any licensed veterinarian of your choice.

Your Pet Deserves the Best Care.

Join 15,000+ pet parents who said "yes" to their pet's health today.

Check My Limit

Takes 60 seconds • No impact to your credit