Is Scratchpay a Credit Card


No matter which way you look at it, pet care is expensive. Whether you are paying for routine services or a surprise veterinarian surgery, it can be hard coming up with the funds to cover a veterinarian bill. A pet owner should never have to face the difficult decision to help care for their pet and figure out a way to cover the cost. That is why the West Toledo Animal Hospital team is proud to offer easy-to-use, comprehensive, and affordable payment options through a service called Scratchpay.

Is Scratchpay a Credit Card?

No, Scratchpay is not a credit card but rather a loan that is distributed to your account. The loan will help pay for your pet’s bills at the veterinary office, and Scratchpay can set up low, affordable monthly payments, sometimes as low as 3% of your total balance.

Does Scratchpay Hurt My Credit?

When our clients set up an account with Scratchpay, the service will pull a soft credit hit. This check means that your credit score will be impacted, but most people see only a minimal decline, if any, in their credit score. Alternatively, paying your veterinary bill payments on time will give you a positive reporting to the credit bureaus.

How Do I Manage Payment?

Scratchpay utilizes an online portal that makes viewing your balance, scheduling a payment, and paying your loan easy. Manage everything from a simple dashboard to stay current with your veterinary bills.

The West Toledo Animal Hospital team wants to give our clients options to help them pay for their pet’s care. With Scratchpay, you can finance your veterinarian bill for as long as 24 months. The new, Take 5 program helps to split even routine veterinary visits into simple bi-weekly payments. Give your pet the best care he deserves and give yourself the peace of mind knowing we have easy and affordable payment options that help suit your life and your budget.

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