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Financial assistance for pet care now available across U.S.

Scratchpay uses proprietary data elements, machine learning models, and other alternative data sources to help finance care for pets

January 28, 2019

A service focused on helping pet owners receive financial assistance to pay for veterinary care is now available in all 50 states.

One year after winning the $25,000 Pet Project Innovation Award at the 2018 Veterinary Meeting and Expo (VMX), financial technology company Scratchpay has expanded its services to 11 additional states.

"With the approval of our Massachusetts state lending license, Scratchpay is now available to pet parents in every state across the U.S.," said John Keatley, the company's chief executive officer.

Scratchpay leverages proprietary data elements, machine-learning models, and other alternative data sources to finance care for pets.

According to the company, it is the only mobile-first veterinary financing solution with 24/7 availability.

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10 thoughts on “Financial assistance for pet care now available across U.S.”

    1. Hi Patrick! We've never had anyone by your name work at Scratchpay. We do, in fact, utilize machine learning in our decisioning models. We also employ a significant amount of proprietary data elements. Please reach out to me if you have any specific questions! My email is neil@scratchpay.com

      Best,
      Neil & the Scratchpay team

    2. Hi Patrick. We've actually never had anyone with your name work at Scratchpay. We do, in fact, utilize machine learning in our decisioning models. We also utilize a variety of proprietary data elements. At our heart, we're a financial technology company – we just happen to only operate in the veterinary space! If you'd like to know more, please don't hesitate to reach out.

  2. There is no information here at all. You trend a headline with no substance. If this is for real .. perhaps you should outline in more simpler terms what & how your company can assist with pet care. Just a thought.

    1. Hi Lisa,

      My name is Neil and I work at Scratchpay.
      Basically, we offer simple, friendly payment plans to help pet parents cover their veterinary bills. You should check out our website: scratchpay.com
      If you work at a veterinary industry, you should just ask about us on whatever veterinary blog you trust.
      Scratchpay is offered in 4,000 clinics across the US and we recently expanded our service to Canada!

      Thanks,
      Neil
      Scratchpay Marketing

    1. Hi Bob,

      My name is Neil and I work at Scratchpay. We offer simple, friendly payment plans to help pet parents cover their veterinary bills.
      You should check out our website – scratchpay.com

      We're based in Pasadena, CA, but we have partner clinics all across the U.S.
      Also, Scratchpay recently became available to pet parents in Canada!

      Thanks,
      Neil
      Scratchpay Marketing

  4. Hi, My name is Roland Moore from Ireland. I just want to let everyone out there who is truly searching for a loan know that there is still a loan company you can trust, i have searched for a real and legitimate loan lending company since year 2013 and all this time i have been scammed countless of time until a friend told me about a company called (Chrysler Finance). At first, it was hard to believe but i just decided to proceed and with the way the (MD) talked with with me, not that i was fully convinced but i decided to give it a try and when he brought the issue of a fee i almost ran away but i summoned the courage to pay the fee and when this fee was paid immediately i got my loan of 50.000.00USD in January 2016 in my account it was indeed a dream come true for me and my family and today all thanks to (barrymoreloans12@gmail.com) and God i can smile again i recommend this company to everyone out there because they are trusted and reliable.

  5. Well, this is awkward…

    I think financial assistance is a FANTASTIC option for pet owners…
    The popular ones do a credit check are difficult to qualify for, for some. I know, from personal experience, that despite a poor credit score on paper, folks can certainly work something out to pay for their pets' healthcare, in an emergency situation.
    Many, many pets are lost/euthanized due to people being unable to afford the upfront payment of medical procedures– it is a very sad reality that could easily be fixed with payment options and/or financial assistance.

    Poor people are just as worthy of keeping their pets as anyone else. Just because people aren't financially well-off doesn't mean they don't deserve the love of animals… for some folks, especially those who are poor, their pets are the only comfort they have in the world- the only thing they have to look forward to.

    I'm a Veterinary student, and I of all people know the importance of preventative medicine, checkups, etc… and sadly, even I, sometimes have to skip extremely important things like Heartworm preventative because I simply don't have enough money for a checkup for my dogs. It won't always be this way, but right now I am having a hard time even affording groceries for my family. It happens. And what if one of my sweet dogs gets bitten by an HW+ mosquito… then they will need treatment. Even though I am financially strapped, I could and would make adjustments for a payment plan for treatment HOWEVER I wouldn't qualify for it because on paper I look terrible right now, and finding a Veterinarian who allows payment plan is nearly impossible!

    These are all real issues that I see all the time and unfortunately, I deal with myself.

    Hopefully, one day, once I graduate and win the lottery, I'll be able to put in motion a new era of Veterinary Medicine- where even the poor guys who live paycheck to paycheck can save their animals and take proper care of them because they have the option to! 🙂 <3

    1. Hi Rebekah,

      My name is Neil and I work at Scratchpay. Thanks for your thoughtful note. We actually get letters and emails from Scratchpay borrowers thanking us for offering them a payment plan after being rejected by other options.

      As a veterinary student, you should really ask around about Scratchpay. We're a simple transparent option to pay over time. Just applying with Scratchpay does NOT affect your credit score. If you qualify and accept one of the payment plans that you're offered, we perform one hard inquiry.

      But, since we're not a revolving line of credit, we don't affect your utilization rate, which is actually really cool and totally different from a medical credit card.
      If you've had trouble with your credit in the past, you should watch this quick little cupcake video from CreditKarma: https://vimeo.com/180354230

      It explains exactly how your credit score is calculated…using cupcakes 🙂

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