Payment Plans for Your Pet's Veterinary Care
Split your vet bill into simple monthly payments. 0% APR available for qualified borrowers on select terms.
No hard credit check
Won't affect your score
Fast decision
Most approved in 90 seconds
Quick funding
Fast disbursement
Flexible terms
3 to 24 months
Checking eligibility will NOT affect your credit score.
Note: A soft credit inquiry is used for pre-qualification. If you accept a loan offer, a hard credit check will be performed by the lender, which may impact your credit score.
Testimonials
See what pet owners are saying about their experience
"Got approved in 2 minutes when I needed emergency funds. Couldn't be more grateful!"
Sarah M.
Austin, TX
"No hidden fees, super fast process. Got the funds the same day."
Michael R.
Portland, OR
"The flexible payment plan made it possible to afford what I needed without stress."
Jennifer K.
Miami, FL
FDIC Insured
WebBank Partner
Bank-Level Security
256-bit SSL Encryption
A+ BBB Rating
Verified Business
No Hidden Fees
100% Transparent
1,000+ Partners
Nationwide Network
100K+ Borrowers
Trusted Nationwide
Why Borrowers Choose Scratch Lending
Fast, transparent lending solutions designed for your financial needs
No Credit Score Impact
We use only a soft credit inquiry, which won't affect your credit score. Check your eligibility risk-free.
Fast Online Decisions
Most applicants receive a decision in as little as 90 seconds. No waiting days for an answer when you need funds now.
Flexible Repayment Options
Choose payment plans that fit your budget with terms from 3 to 24 months. No prepayment penalties.
Trusted Partner Network
Accepted at Leading Businesses
Over 1,000 businesses nationwide trust Scratch Lending to help their customers access flexible financing
Healthcare Providers
Retail Partners
Professional Services
Home Services
Financial Services
Premium Merchants
And thousands more businesses across the United States
Estimate Your Monthly Payment
See what your payments could look like 💰
Representative APR Range: 5.99% - 35.99%
Example Monthly Payments
* Example estimates for illustration purposes only. Actual rates and terms subject to approval.
How It Works
Get the funds you need in three simple steps ⚡
Apply in 60 Seconds
Complete our lightning-fast application online. We only ask for the essentials.
Get Fast Decision
Most applicants receive their pre-approval decision in as little as 90 seconds. No waiting, no stress.
Pay Vet Directly
We pay your veterinary clinic directly. You focus on your pet's recovery.
Frequently Asked Questions
Get answers to common questions about financing