How do you pay Scratchpay?
How it works
- Apply for a payment plan from your phone or desktop.
- Check your rate and pick your payment plan.
- Get the care you need.
What credit score do you need for Scratchpay?
Scratchpay vs CareCredit: Best Vet Financing
| Scratchpay vs CareCredit: Best Vet Financing |
|
|
| Recommended Minimum Credit score to apply |
600-700, also based on income |
623 |
| Minimum lending amount |
$35 |
$200 |
| Maximum lending amount |
$10,000 |
$25,000 |
| Lowest available Interest Rate |
0% |
0% |
Who qualifies for Scratchpay?
Scratchpay looks a number of factors when evaluating your profile. Some of our factors to consider are: Credit score: we encourage our applicants to have above a 580 credit score for best chance of approval! Your age: we love pet owners of all ages, but you must be at least 18 years old to apply.
Do you need good credit for Scratchpay?
Scratchpay. Scratchpay is an online payment plan for veterinary costs that can be used for any species. It is not a credit card or a line of credit, so it doesn't rely on your credit score or affect your credit score, and more pet parents get approved.
Can you pay off Scratchpay early?
Why Scratchpay
We approve more patients with affordable rates. No hidden fees. No prepayment penalty. No deferred interest.
Does Scratchpay run your credit?
No. We perform a soft credit inquiry when applying for a plan at Scratchpay.com. This process does not affect your credit score. Applying for Scratchpay plan will never impact your credit score.