Give Your Pet The Best Care, Worry-Free.

Unexpected vet bills? New pet costs? Scratchpay provides quick, easy financing from $100 to $5000 so you can give your beloved companion the care they deserve, without the financial stress.

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Takes less than 3 minutes — no credit impact

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How It Works

  1. Fill Out Form

    Answer a few quick questions about your loan needs.

  2. Get Matched

    We connect you with lenders competing for your business.

  3. Choose Your Offer

    Compare rates and terms, then pick the best deal for you.

Estimate Your Monthly Payment

Move the slider to see estimated payments — no commitment required.

$2,000

6 months

$347/mo

~10% APR

Popular

12 months

$176/mo

~15% APR

24 months

$102/mo

~28% APR

Get My Real Rate — No Credit Impact

Estimates only. Actual rate depends on creditworthiness. APR range 5.99%–35.99%.

Representative APR Examples

Rates and terms vary by lender and your credit profile.

Amount Term APR Monthly Total Cost
$500 6 mo 10% $86 $516
$1,000 12 mo 15% $90 $1,080
$2,000 12 mo 15% $181 $2,172
$3,500 24 mo 28% $192 $4,608
$5,000 24 mo 35.99% $295 $7,080

Disclosure: APR ranges from 5.99% to 35.99%. Minimum repayment 61 days. Maximum 24 months. Numbers above are representative examples only and do not constitute a loan offer.