01
Tell us your needs
Select your pet type and estimated financing amount — it takes about two minutes.
Care now. Pay over time.
Flexible Payment Options for Your Pet's Veterinary Care
We connect pet owners with trusted third-party financing partners for $500 to $5,000 in pet care expenses with flexible terms.
✓ Quick online search✓ No hidden fees✓ Options for all credit profiles
Find your options
Free search serviceFind Participating Lenders
Scracht Payment Plans is a loan connecting service, not a direct lender. We connect you with independent third-party financing partners.
Checking options will not affect your credit score.
How matching works
From search to options in three simple steps.
Scracht is a loan connecting service — we don't provide medical care or loans directly. We help you find third-party financing partners.
02
Explore options
We search participating third-party lender networks for plans that fit your situation.
03
Connect with lenders
Review terms directly on the lender's official site. You decide what works for you.
A simpler way forward
How It Works
Get from "what if?" to "we've got this" in three simple steps.
Find Matching OptionsSelect Your Needs
Choose your pet type and estimated financing amount.
Explore Lender Options
We search our network of independent financing partners.
Connect & Finalize
Review rates directly on the lender's official site and choose what works best for you.
Clear by design
Know the numbers before you decide.
We believe financing should feel straightforward. Review your potential terms with no pressure and no impact to your credit score to check options.
See what you may qualify forRepresentative loan example$
$117.68/mo
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$2,824.32
Including all applicable fees. APRs range from 5.99%–35.99%. Repayment terms from 61 days to 36 months. Rates and terms vary by state and are subject to credit approval.
Pet parents like you
Real moments, real breathing room.
Stories from pet owners who explored their options with Scracht. Experiences vary and approval is not guaranteed.
When Max tore his ACL, the surgery quote felt impossible. A payment plan let me say yes to the care he needed.
I expected a long, stressful process. I had options in minutes and could focus on bringing Bella home.
Dental work for my cat was long overdue. Spreading the cost made it finally feel doable.
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Because when they need you most, you want to be focused on one thing: being there.
— A little more breathing room for pet parents
Questions, answered
Feel good about the next step.
Still curious? Search for matching options and review terms at your own pace.
Find Matching OptionsWill checking my options affect my credit score?
No. Initial options search uses a soft inquiry which does not impact your credit score.
Is Scratch Payment Plans a direct lender?
No. We are a loan connecting service that matches pet owners with third-party financing partners.
What pet care expenses are eligible?
Financing options can be used for veterinary care, routine checkups, emergency procedures, and pet medications.
How quickly will I see matching options?
Most searches return matching options within a couple of minutes. You can then review terms directly on each lender's official site before deciding.