pet assistance for low income families
We all love our pets and want to be able to take care of them if they are sick or injured. Although veterinary care can be expensive, there is pet assistance for low income families. This can be a huge help to pet owners needing to help a pet with an urgent issue but being afraid of or unable to pay the bill. With the service Scratchpay described below, you can get your pet healthy and work out a payment plan to handle the bill.
Scratchpay was started in 2016 to help pet owners pay for vet expenses. In the simplest of terms, they provide payment plans to help you get immediate care for your pet. The financing plan has no prepayment penalty, meaning you can pay it off at any time and avoid additional interest fees without any additional fees.
They can customize a plan to each person and their “Take 5” plan allows you to get immediate vet care while spreading payments into 5 chunks. You make one partial payment on the initial visit and then spread the other four payments out very two weeks for the next 2 months. There is no interest and no hard credit check.
If you need more time, there are longer payment plans with options of 12 or 24 months and monthly payments. These plans do have interest since they are spread out over a longer time period. The interest rate varies depending upon each person’s credit history.
helpful information
| QUESTION | ANSWER |
|---|---|
| How can I talk to Scratchpay ? | Phone: 855-727-2395 |
| What animals are covered under Scratchpay ? | As long as the vet/clinic is a partner with Scratchpay the service covers any type of animal |
| Will I have a hit on my credit if I apply for Scratchpay ? | The initial credit review is a SOFT credit check which does not affect your credit score. If you are pre-approved and select the Pay Later option there is no additional credit check and no impact on your credit. If you are pre-approved for and select the Pay Over Time option, one HARD credit check is performed and this can affect your score slightly |
| What happens if I miss a payment ? | Call 855-727-2395 and a payment planning specialist will work on an arrangement that works with your budget |
| Am I able to payoff the loan early ? | Yes, and with no pre-payment penalties. You will avoid future interest fees. Call 855-727-2395 if you would like to speak with a human about being sure your additional payment is credited correctly. |
| Can I use Scratchpay at any vet ? | Only vets that have signed on to be partners accept Scratchpay. If your vet is not currently a partner, email "support@scratchpay.com" and Scratchpay will try to have your vet become a partner. |
Earn $100 !
the bottom line
You love your pet. It can be devastating to face them having a health problem or an accident and needing urgent vet care but it’s too expensive. This can be a nightmare for a pet owner and the last thing you want to do is not help your pet, or possibly worse, take on some complicated loan with terms that may affect you negatively. Scratchpay was created to provide an easy option for pet owners in this emotional time. It offers an easy to understand process that allows you to get immediate help for your pet.