My daughters dachshund has a tumor that needs to be removed and the vet can not tell me how much the bill will be and payment is expected the day of service. Firstly, what is up with these vets nowadays? There just seems to be so much wrong going on. But that’s a different rabbit hole. Back to this company, I would appreciate a six month 0% offer, if the amount is paid in full within that time, they do not charge 18% interest. I would use care credit if my vet used care credit. They allow those great 0% six months or twelve months offers. Darn.

My dog Chevy was hit by a car. Nothing worse than someone hitting your dog and driving away with no care. I am a single mom so when I had to find someway to pay for a vet bill I was lost. So I’m thankful for Chevy’s vet that toke her in as she has never been anywhere but thanks to scratchpay it was easy to ask for the loan. Within minutes after applying they sent the funds right over to her vet. So I would rate 5 stars in after applying the loan went straight to the vet and no headache on how to get the loan payment and then pay the vet. So toke some stress away. I’m not sure on how much of a con it is more of a suggestion need more advertising to some degree I understand it’s money to advertise and yes im thankful for the loan. But, my dog suffered for over a hr. Before I could take her to a vet because I couldn’t find a vet that would take a payment plan. And no vet told me about scratchpay till I finally talked to my neighbor and she told me her vet might work with me on a payment plan and after I got there Chevy’s vet told me about scratchpay. Not everyone knows about the company nor do vets even really talk about it. Chevy has recovered , but if I would of known about scratchpay sooner I would applied sooner and would of been able to take her to a vet sooner. But besides that reasonable monthly payment, on a 12 month loan.

The vet accepted this plan and allowed me to choose a six month option where I could pay it off early and be charged no interest. I can just tell you I’m grateful to have had the loan preapproved for a certain amount of money that I knew I could go up to, which I did not need all of. My vet was very conscientious and fair and did not overcharge me, just because I had the approval amount. I’m grateful to have had this option and so far it’s going well. I don’t anticipate any problems paying this off on time (early for no interest) and would use it again at this point, if needed and as long as it were an option. I’ll update my review if any kinks, but so far it helped me to make sure that my dog, who was very sick, got the care that he needed, and even in an end of life situation, we were able to do everything we could to try to save him and have a peaceful passing in the end (16 great years with our beloved dog) with our trusted vet when that was the only responsible option left.

My daughter going to school to be a vet tech and her and I have foster and cared for many, many cats . Foster or not . My pets are fam. No different care than I would give my daughter or 3 sons. I will do what it takes to save any of my pets. We feel there life is worth just as much. In short without Scratchpay I would of had to beg, borrow, steal . Whatever it takes. In 7 years I have put 86,000$ to save my fur babies. What bothersome for me is, if you work at the vet the same surgery. She paid a little over a 1000$ to remove a foreign body from her eight month old cats digestive track. Major surgery. I have to pay 8600.$ plz tell me why. I have literally worked 60 plus hours to pay these vet bills. How are ppl suppose to afford owning 1 pet , let alone multiple or many. I just know without the financial resources. I would be refinancing my home or selling my valuables. Scratch pay helps me to keep pushing through by being there when my fur babies are not quite ready to cross over the rainbow bridge