Lender Disclosure
Effective date: August 12, 2026
Scracht is a connection service
Scracht Payment Plans is not a lender, bank, or financial institution. We connect consumers seeking pet care financing with independent third-party lending partners. We do not make lending decisions, determine rates, or provide financing directly. A financing partner may not be available in every state or for every applicant.
Potential APRs and terms
Depending on the financing partner, state, requested amount, credit profile, and other factors, available financing may have an annual percentage rate (APR) from 5.99% to 35.99%. Repayment terms may range from 61 days to 36 months. Actual rates, fees, payment amounts, and terms are determined by the applicable partner after review and may be different from the ranges shown here.
Financing is subject to credit approval. Not all applicants qualify, and some applicants may receive no offer or an offer with less favorable terms. State law may limit the availability of certain products or terms.
Credit inquiry notice
Requesting available options through Scracht generally involves a soft credit inquiry, which will not affect your credit score. If you select an offer or continue with a particular financing partner, that partner may conduct a hard credit inquiry that could affect your credit score. The applicable lender will provide additional disclosures before you accept financing.
Representative loan examples
If you borrow $2,500 over 24 months at a 12.00% APR for veterinary treatment, your monthly payment will be $117.68. Total repayment will be $2,824.32, including all applicable fees.
Example payments are illustrative and are not an offer or promise of available terms. Your actual payment and total repayment amount may vary. Review the final agreement from the applicable financing partner for the complete cost of credit, payment schedule, late fees, and other terms.
Questions about an offer
Questions about a specific loan offer, payment, fee, or agreement should be directed to the lender identified in that offer. For questions about Scracht’s connection service, contact support@scrachtplans.com or (855) 609-7473.