About
Scratchpay (also branded Scratch Pay) is a payment plan for veterinary care run by Scratch Financial, Inc. of Pasadena, California, founded in 2016. The pet owner checks eligibility without affecting their credit score, pays $15 down and repays $200 to $10,000 in monthly instalments over 12 to 24 months. APR ranges from 0% to 36% depending on credit, and on some plans interest is waived if repaid within six months. In the US the loans are issued by WebBank, and in Canada by Scratch Financial itself. Scratchpay says it is accepted at over 17,000 providers as of 2026.
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