It's a scam It's a scam, the whole experience was a scam. don't get animals unless you have thousands of dollars to spend on vet care. I had to pay it off all at once or be charged interest. The monthly payment wouldn't of paid it off on time. If I paid small payments I'm charged $2.50 per payment, so I had to pay it off all at once, or be charged interest even though I had an auto payment setup.

The Experience with Scratchpay has… The Experience with Scratchpay has Been Awesome! It helped with our Furbabies med bill in an emergency! The process was really fast & easy! We discovered scratchpay when our babies were diagnosed with cancer 7yrs ago. It Helped in our time of need & let us focus on their care instead of the burden of med bill! I have told everyone who has a pet about Scratchpay. Thank You Again!

Overall it's a great resource! Overall I like using Scratch Pay for vet bills. I have 3 pups and it can get expensive. However, I was disappointed when my request for a plan was denied, due to a slight drop in my credit score. It didn't count that I had never missed a Scratch Pay payment.

There When I Needed Them The ease of making payments to my plan is the best that I've seen. The funding was needed to pay for a hospital visit for a very sick kitten. Sadly, the kitten had to be euthanized, but Scratch Pay was there to help me pay for the services rendered at the hospital.

Scratch put me at ease at a very stressful time in my life The moment my JoJo got sick, I didn’t want to think about what it was going to cost me to get him better, but that couldn’t be helped. Once I got into the veterinarians office, I was informed that I could apply for scratch from that moment on all I had to do was think about getting My baby better thank you scratch