Affordable Scratchpay
Veterinary Payment Plans

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Flexible Payment Plans for Every Budget

Scratchpay offers payment plans ranging from 3 to 24 months, allowing you to choose terms that fit your financial situation. Short-term plans often come with 0% APR, while extended plans provide lower monthly payments. Whether you're facing an emergency vet visit or planning a routine procedure, you can find a payment structure that works for you.

No Hidden Fees or Surprises

Unlike credit cards or traditional loans, Scratchpay provides transparent pricing with no hidden fees. You'll know exactly what you owe from day one. There are no prepayment penalties, so you can pay off your balance early to save on interest. The application is free, and there are no annual fees to worry about.

Fast Approval Process

When your pet needs care, waiting isn't an option. Scratchpay provides instant approval decisions for most applications, allowing you to get your pet the treatment they need without delay. The online application takes just 15 minutes to complete, and you can apply from home or directly at your veterinarian's office.

Works at Thousands of Veterinary Clinics

Scratchpay partners with veterinary practices across the United States, from emergency animal hospitals to specialty care facilities. Most major veterinary chains accept Scratchpay, and the network continues to grow. You can use your financing for emergency care, routine checkups, dental procedures, surgeries, diagnostic testing, and prescription medications.

Emergency Veterinary Care

Emergency vet visits typically cost between $1,000 and $5,000 depending on the severity of the condition. These expenses can include the initial examination fee, diagnostic testing like X-rays or bloodwork, medications, and any necessary procedures or surgery. Emergency clinics operate 24/7 and charge premium rates for immediate care, but Scratchpay financing makes these costs manageable through monthly payments.

Routine and Preventive Care

Annual wellness exams cost between $50 and $200, while vaccinations add another $75 to $150 per year. Dental cleanings, which should occur every one to two years, typically run $300 to $800. Flea, tick, and heartworm prevention costs $15 to $50 monthly. These routine expenses add up to $500-$1,500 annually per pet, and Scratchpay can help you manage these costs without breaking your budget.

Specialized Procedures and Surgery

More complex veterinary procedures carry higher costs. Orthopedic surgery can exceed $5,000, while cancer treatment may cost $3,000 to $10,000 over the course of treatment. Specialty consultations with veterinary cardiologists, oncologists, or internal medicine specialists typically start at $200 to $400 just for the initial visit. With Scratchpay, you can access these specialized services without depleting your savings.

Scratchpay evaluates applications based on multiple factors, making financing accessible to pet owners with varied credit histories. To qualify, you must be at least 18 years old, have a valid U.S. address, provide a Social Security number, maintain an active checking account, and have verifiable income. Unlike traditional lenders that focus solely on credit scores, Scratchpay looks at your overall financial picture.

Even if you have less-than-perfect credit, you may still qualify for Scratchpay financing. The company considers factors like employment status, income stability, and banking history when making approval decisions. Many pet owners who have been denied traditional credit cards or personal loans successfully obtain Scratchpay financing for their veterinary expenses.

Your veterinary practice must participate in the Scratchpay network to use this financing option. Most major animal hospitals and veterinary chains accept Scratchpay, and you can verify participation by calling your clinic directly or checking Scratchpay's online directory. If your current veterinarian doesn't accept Scratchpay, you can ask them to join the network or find a participating clinic in your area.

🏥 Emergency and Urgent Care

When your pet faces a medical emergency, every minute counts. Scratchpay veterinary financing ensures you never have to choose between your pet's health and your financial stability. Emergency situations like poisoning, trauma from accidents, sudden illness, or difficulty breathing require immediate attention. With Scratchpay, you can authorize life-saving treatments right away and manage the cost through affordable monthly payments. Emergency veterinary hospitals across the country accept Scratchpay, giving you peace of mind during the most stressful moments.

🦷 Dental Care and Oral Surgery

Dental health is crucial for your pet's overall wellbeing, yet many pet owners postpone necessary dental procedures due to cost concerns. Professional dental cleanings, tooth extractions, and oral surgery can range from $500 to $3,000 depending on the complexity. Scratchpay makes it possible to address dental issues promptly before they lead to more serious health problems. Regular dental care prevents painful infections, tooth loss, and can even extend your pet's lifespan by preventing bacteria from spreading to vital organs.

💉 Vaccinations and Preventive Medicine

Prevention is always better than cure, and Scratchpay helps you stay current on your pet's preventive care schedule. Core vaccinations, heartworm prevention, flea and tick treatments, and annual wellness exams are essential investments in your pet's long-term health. While these costs may seem manageable individually, they add up quickly when you have multiple pets or when unexpected boosters are needed. Scratchpay allows you to bundle preventive care costs into one manageable payment plan.

🔬 Diagnostic Testing and Imaging

Modern veterinary medicine relies on advanced diagnostics to accurately identify health issues. Blood panels, urinalysis, X-rays, ultrasounds, MRIs, and CT scans provide vital information for treatment planning. These diagnostic procedures can cost anywhere from $200 to $2,500 or more. With Scratchpay financing, you can approve comprehensive diagnostic workups without hesitation, ensuring your veterinarian has the complete picture needed to treat your pet effectively.

"When my golden retriever Max needed emergency surgery after swallowing a toy, I was devastated. The estimate was over $4,000 and I didn't have that kind of money saved. Scratchpay approved me in minutes and I was able to authorize the surgery immediately. Max is now fully recovered and I'm paying a manageable amount each month. I don't know what I would have done without this option."

— Sarah M., Dog Owner from Texas

"My cat Luna needed dental surgery and I had been putting it off because of the cost. Once I discovered Scratchpay, I realized I could afford to get her the care she needed. The application was simple and I was approved for more than enough to cover her procedure. Luna is eating comfortably again and I'm so grateful."

— Michael R., Cat Owner from California

"As a senior on a fixed income, I worried I couldn't afford proper care for my beloved beagle. Scratchpay gave me options I didn't know existed. The monthly payments fit my budget perfectly, and my vet was already part of their network. Now I never have to skip appointments or delay treatments."

— Dorothy L., Dog Owner from Florida

Scratchpay vs. Credit Cards

While credit cards offer convenience, they often come with high interest rates that can exceed 20% APR. Scratchpay provides dedicated healthcare financing with potentially lower rates and fixed monthly payments. Unlike credit cards where minimum payments can keep you in debt for years, Scratchpay offers clear payoff timelines. Plus, applying for Scratchpay uses a soft credit check that won't impact your credit score, whereas new credit card applications result in hard inquiries.

Scratchpay vs. Pet Insurance

Pet insurance and Scratchpay serve different purposes and can actually complement each other. Insurance requires monthly premiums and may not cover pre-existing conditions or have waiting periods before coverage begins. Scratchpay provides immediate financing when you need it most, regardless of your pet's health history. Many pet owners use both: insurance for long-term coverage and Scratchpay to handle deductibles, copays, or procedures that insurance doesn't cover.

Scratchpay vs. Personal Loans

Traditional personal loans from banks can take days or weeks to process, require extensive documentation, and often have strict credit requirements. Scratchpay is designed specifically for healthcare expenses and offers same-day approval in most cases. The application process is streamlined for veterinary situations where time is critical. You won't need to submit pay stubs, tax returns, or wait for underwriting decisions while your pet needs immediate care.

🐕 Dogs: America's Most Popular Pets

Dogs face unique health challenges throughout their lives. Puppies need vaccination series, spaying or neutering, and sometimes treatment for common puppy ailments like parvovirus. Adult dogs may require treatment for torn ACLs, hip dysplasia, or allergies. Senior dogs often develop arthritis, cancer, or organ disease requiring ongoing management. Scratchpay veterinary financing covers all life stages and conditions, from your puppy's first shots to your senior dog's comfort care. Large breed dogs are especially prone to expensive orthopedic conditions, making Scratchpay an essential financial safety net for owners of German Shepherds, Labradors, Golden Retrievers, and other popular breeds.

🐈 Cats: Independent but Still Need Care

Cats are masters at hiding illness, which often means health problems aren't detected until they're advanced and more expensive to treat. Dental disease affects the majority of cats over age three, and untreated dental problems can lead to heart and kidney damage. Urinary blockages in male cats are emergencies requiring immediate catheterization and hospitalization. Hyperthyroidism and chronic kidney disease are common in older cats and require ongoing medication and monitoring. Scratchpay helps cat owners afford comprehensive diagnostic workups that catch problems early, as well as emergency treatments when cats can no longer hide their symptoms.

🦜 Exotic Pets: Specialized Care Available

Exotic pet owners face unique challenges finding qualified veterinary care, and that specialized care often comes at premium prices. Birds, reptiles, rabbits, guinea pigs, ferrets, and other exotic companions have specific dietary, environmental, and medical needs. Avian veterinarians, reptile specialists, and exotic animal practitioners invest years in additional training, which is reflected in their fees. Scratchpay financing works at exotic animal hospitals and specialty practices, ensuring your feathered, scaled, or small furry friends can receive the expert care they deserve without financial limitations holding you back.

Emergency Animal Hospitals

When disaster strikes outside of regular business hours, emergency veterinary hospitals are there 24 hours a day, 7 days a week. These facilities are equipped with advanced diagnostic equipment, surgical suites, and intensive care units capable of handling the most critical cases. Emergency care comes at premium prices due to the specialized staffing and equipment required, but Scratchpay partnerships with emergency hospitals across the country mean you'll never have to choose between your pet's life and your bank account. Many of the largest emergency veterinary networks accept Scratchpay, giving you peace of mind no matter when an emergency occurs.

Specialty Referral Centers

Some conditions require expertise beyond what general practice veterinarians can provide. Veterinary specialists complete additional years of residency training in fields like cardiology, oncology, neurology, ophthalmology, and surgery. When your pet needs an MRI, chemotherapy, heart surgery, or treatment for a complex neurological condition, you'll be referred to a specialty center. These advanced treatments can cost $5,000 to $15,000 or more. Scratchpay is accepted at veterinary specialty hospitals and university teaching hospitals, making cutting-edge medicine accessible to more pet families.

Your Local Veterinary Clinic

Most pet healthcare happens at neighborhood veterinary practices where you've built relationships with doctors and staff who know your pet's history. These clinics handle wellness care, vaccinations, minor illnesses, and many surgical procedures. Scratchpay works with independent veterinary practices, corporate veterinary groups, and franchise locations alike. If your regular vet doesn't currently accept Scratchpay, you can ask them about joining the network. Many practices are eager to offer financing options that help their clients afford recommended treatments.