Affordable Pet Care Payment Plans
0% APR financing for veterinary care
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.
Holiday Stories from Happy Pet Parents
Real families who prioritized their pets' health this season
"My dog needed surgery right before the holidays. Got approved in 2 minutes and could focus on what matters most!"
Sarah M.
Austin, TX
"Best holiday gift I could give my cat - the medical care she needed without breaking my budget."
Michael R.
Portland, OR
"Started the New Year knowing my pet's health is covered. The flexible payments made all the difference!"
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
Your Pet's Health Shouldn't Wait Until New Year's
Make your pet's wellness a priority this holiday season with flexible financing
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.
Three Simple Steps to Peace of Mind
Get your pet the care they deserve this holiday season
Apply in 60 Seconds
Quick online application so you can get back to enjoying the holidays with your furry family.
Get Instant Answer
Most decisions in 90 seconds. Because your pet's health can't wait until after the New Year.
We Pay Your Vet
Funds go directly to your veterinary clinic. You focus on making memories with your pet.
Frequently Asked Questions
Get answers to common questions about financing