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.11 Sept 2018
Is it hard to qualify for Scratchpay?
No. We perform a soft credit inquiry when applying for a plan at Scratchpay.com. This process does not affect your credit score. However, like any other financing provider, your credit score could be affected if you fail to make payments on time.8 Dec 2021
Who qualifies for Scratchpay?
Applicants must be U.S. Residents that are 18 years of age or older. Children under the age of 18 are not eligible to participate in the offerings on this website.15 Dec 2021
Does Scratchpay run your credit?
Scratchpay isn't a credit card. Finding your plan option will NOT affect your credit score. We approve more patients with affordable rates. No hidden fees.
What credit score is needed for Scratchpay?
Scratchpay vs CareCredit: Best Vet Financing
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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%
Does Scratchpay do a hard credit check?
We never perform a hard credit check when your patient or client applies for or accepts a Scratch Pay plan, unlike a traditional credit card. For Scratch Pay's Take 5 plan, if paid in full and on schedule, there is never any negative credit impact.