Scratch Pay (veterinary payment plans)
You’re viewing Scratch Pay (veterinary payment plans) on Help My Pet.
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- What it is
- Help paying vet bills
- Who it helps
- Open to pet owners using a participating veterinary practice (the site has a Find a Practice tool).
- Where
- Nationwide, at participating veterinary practices
- Status
- Accepting applications
- Checked
- on the official website, November 4, 2026
Need help paying for your pet’s care? Paying for Care · Get a free funding plan
Payment-plan financing for vet bills: apply online, and Scratch pays your veterinarian, then you repay over time in monthly payments on plans with 12 to 24 month terms.
Good to know
- Who can use it: Open to pet owners using a participating veterinary practice (the site has a Find a Practice tool). This is a loan, not a grant: plans are subject to approval, rates vary by individual credit history, late fees apply, and plans may not be available in all states. Checking eligibility does not affect your credit score, per the site.
- How to get started: Apply online in minutes, check your rate, choose a plan, and Scratch pays your veterinarian. Use Find a Practice on the site to confirm your vet participates.
Emergency? Call your veterinarian or the nearest 24-hour emergency hospital now, and tell them if cost is a barrier. Emergency signs and poison hotlines
Before you go
Call or check their page for current prices, appointment availability, any income or residency rules, and which animals they see. Ask what to bring.
If cost is the barrier, Paying for Care compares grants, payment plans and fundraising, and a free funding plan puts them together for your pet.