Scratch Pay provides simple, affordable, payment plans to help your clients manage their veterinary expenses. Pet owners can visit from their smartphone or a computer, fill out a simple 90-second application, and get instantly approved for a payment plan without affecting their credit score. There are no setup fees, subscription fees or hardware requirements for the veterinarian, and Scratch pays your clinic in full up front via direct deposit. Scratch uses financial technology to look beyond each applicant’s credit score and achieve high client approval rates.

Pet owners can borrow up to $10,000 and either finance over one year or pay interest-free within 30 days. Veterinarians pay a flat 5% per Scratch transaction (which is the only cost ever associated with the program), no matter the Scratch financing option, amount or duration. Scratch was founded by financial technology executives John Keatley and Caleb Morse and is based in Los Angeles, California. Since early 2016, Scratch has partnered with hundreds of veterinary clinics across the country and has helped thousands of pet owners get their furry friends the care they need. Joining our network of pet care providers is free and we’ll have you up and running within 1 business day.