Take control of processing fees and protect your bottom line
Help your clients with their veterinary bills—with fast, convenient, and transparent financing options
Enroll Today
Join Over 16,000 Leading Veterinary Hospitals*
78% of partner practices say Scratch Pay has the highest approval rate & is the easiest to use1—No prepayment penalties. No deferred interest.2
Our standard feeto practices is a simple, flat-rate 5% provider fee—with no hidden fees.
Finding a plan won’t affect your clients’ credit scores.3
Help patients get the care they need with more plans approved with affordable rates.4
*Number of practices using Scratch Pay as of February 10, 2025.
1Based on a 2020 survey sent to ~9,000 partners.
2Standard late fees apply. Please review the terms presented to you during application carefully.
3Checking your eligibility for a plan will not impact your credit score. If you are approved and accept a loan, repayment activities may be reported to the credit bureaus.
4Based on Scratch Pay partner survey.
No prepayment penalties.
No deferred interest.1
1Standard late fees apply. Please review the terms presented to you during application carefully.
Simple, flat
rate pricing
No hard credit
checks for clients
No set-up fee
Will manage plan
& risk for you
Simple, flat
rate pricing
No hard credit
checks for clients
No set-up fee
Will manage plan
& risk for you
Simple, flat
rate pricing
No hard credit
checks for clients
No set-up fee
Will manage plan
& risk for you
Make it simple for your clients to access care.
Clients can submit a loan application right at the point of payment.
They can select a plan that fits their needs, and receive a decision in seconds!
And if approved, your clients can get the care they need!
Making it easier for pet
owners to give their pets
needed care.
Late fees apply. All payment plans and loans are subject to approval and, with respect to the loan, the rate for which individual borrowers qualify may vary based on individual credit history and other factors.
Number & Frequency of Payments
12 Monthly Payments*
APR
0-36%
Down Payment
$15
Number & Frequency of Payments
24 Monthly Payments*
APR
0-36%
Down Payment
$15
*Scratch Pay plans are available in 12 to 36 month terms, range in approved loan amounts from $200 to $10,000, and with annual percentage rates (APR) ranging from 0% to 36%, with the lowest rates for borrowers with exceptional credit profiles. Monthly payment amounts on plan will depend on the term length, amount financed, and APR. For example, a 12-month payment plan for $10,000 with 5.99% APR would have 12 monthly payments of $860.62 for a total repayment amount of $10,327.44. Signing for a plan means the borrower agrees to make all payments in full and on the scheduled due dates. A borrower may incur late fees for partial or late payments that may result in higher interest charges and repayment schedule. To obtain financing, a $15 down payment is required. Autopay enrollment is optional for 12-month, 24-month, and 36-month plans. Refunds are given for unused plans.
Welcome to Scratch Pay.
When your clients select a plan, you’ll receive an email notification from us.
You can easily finalize their plan for the total service right from your clinic’s Scratch Pay dashboard.
We pay your practice up front via ACH deposit!
From helpful practice support and training to free marketing materials, we make it easy for your clients get the care they need.
Enroll Today
Pet owners can quickly see if they qualify— with no impact to their credit scores!
Get Started*Standard late fees apply. Please review the terms presented to you during application carefully.
1Checking your eligibility for a plan will not impact your credit score. If you are approved and accept a loan, repayment activities may be reported to the credit bureaus.
See what clients are saying.**
**The testimonial provided are individual experiences reflecting the use of Scratch products and services. Individual results may vary, and the experiences described are not a guarantee of typical results. Testimonials may be edited for grammar, clarity, brevity, or misstatement of the Scratch product name. Individuals providing testimonials may have received free products, services or other incentives in exchange for sharing their experiences. All opinions and views expressed in the testimonials are solely those of the individuals who provided them. Scratch is not responsible for the accuracy or completeness of the testimonials.
Speak to a Scratch Representative to learn more or schedule a demo today.
We believe patients deserve access to affordable care.
As the leader in payment processing and financing for veterinary practices across the U.S. and Canada, we’re creating products and services that simplify and add delight to patient and practice experiences.
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Scratch Pay plans in the US are issued by WebBank, while in Canada, they are issued by ©Scratch Financial, Inc. ©Scratchpay (NMLS ID#: 1582666). Eligibility is required for these loan products, and Scratch Pay plans may not be available in all states.
