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Money & Insurance

Scratchpay

100 reviews

4.3100 reviews
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About Scratchpay

Data updated
Website
scratchpay.com
Category
Money & Insurance
Location
United States · Pasadena
Status
Unclaimed
Last 12 months
100 reviews
Replies to negative
0% (0/18)
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Is Scratchpay legit?

Scratchpay (scratchpay.com) has a 4.3 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 81% of reviews are 4 stars or higher and 13% are 1 star; The business has not yet replied to negative reviews. Last updated 2026-08-10.

What people say

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Raylene Angeles · 1 review · Experienced 2026-07-29 ·

Interest is insane would never use again

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Emma Y · 1 review · Experienced 2025-10-30 ·

Thank You Scratchpay

Without Scratchpay, there’s no chance my cat would still be here. I was so so so broke following an ugly divorce, and my little man saw me through it all. Sort of. “Saw” being the questionable word there. Because then his eyeball tried to explode. Not cool. We were able to save him by removing the eye, which I would never have been able to pull off financially without Scratchpay. Thank you thank you thank you ♥️

M
Maritza · 3 reviews · Experienced 2026-07-29 ·

It was great with reminders and easy to…

It was great with reminders and easy to pay

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Priscila Garcia · 1 review · Experienced 2026-07-29 ·

Great option for those who are tie of…

Great option for those who are tie of money

M
Michelle Smith · 1 review · Experienced 2026-07-24 ·

Very grateful to have this at a highly…

Very grateful to have this at a highly stressful moment 🙏

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Naren Ramnauth · 1 review · Experienced 2026-07-29 ·

Good cuz they care about dogs or cats

K
Kimberly Alvaro · 1 review · Experienced 2025-12-26 ·

Quick and easy

Applying for this financial assistance was quick and easy, payments are easy to make on the website, and I was relieved to know my pets could still access the care they needed. My dog was diagnosed with cancer and able to be humanely euthanized to relieve her pain, thanks to ScratchPay. I will definitely utilize this again if I need financial help for vet care in the future.

M
Melinda Aquino · 3 reviews · Experienced 2026-07-27 ·

Scratchpay was a lifesaver

I was unable to pay for all the costs associated with with my cats medical issues and passing along with my dogs allergy shots and the vet office told me about Scratchpay that allowed me to take care of the bills I endured and grateful as I probably wouldn't of been able to.

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Rachelle Shock · 1 review · Experienced 2026-02-05 ·

Our animal needed help! …

Our beloved dog was sick and needed surgery. Thanks to scratch pay we were able to get all our animals needs met as we didn’t have the funds on hand. Thanks scratch pay!!

C
Carmen Sustache · 2 reviews · Experienced 2026-05-20 ·

Love the app

Love the app Thanks!!!!🩷

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Sergio Archila · 1 review · Experienced 2026-07-26 ·

Thank you, guys. you guys are Family!

Thank you guys you guys are like a family couldn’t do it without you guys. My babies appreciated it! Coco, Maui, and Kaya.❤️❤️❤️

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Tayler Hope · 1 review · Experienced 2026-07-24 ·

I was told there was no interest..I was wrong

I was told there was no interest with doing the Scratchpay payment plan. When adding up how much i still had left to pay with 4 payments left…the numbers weren’t adding up correctly. $50 of interest total is what I’ve lost by doing Scratchpay. Will not do again.

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Violet · 1 review · Experienced 2025-11-01 ·

Thank you Scratchpay, you have made us whole again

Thank you Scratchpay, you were the only option for saving young Bo Jangles life and keeping him in our lives, as he has 8 more lives to live. He had eaten a plastic plant which created a bowel obstruction. We had a rough week of not knowing what to do or how to pay and a lot of crying. Thank you Oregon Human Society for working with Scratchpay and your kindness throughout it all. They both made us whole again and it was an incredibly easy process to apply and glad I tried even though I thought for sure I wouldn’t qualify.

K
Kimberly · 7 reviews · Experienced 2026-07-06 ·

I once considered them a good company to do business with.

I have been using Scratch for vet bills for about 5 years now. It has always been a good resource. In that time I have successfully paid off 9 plans....always paid and never late. A couple of weeks ago I requested a new plan to cover vet costs but was declined. Nothing drastically different on my credit so I'm not happy about this st all. They seem to rely solely on AI to make decisions and are forgetting to consider a loyal customer with good history.

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Jeremiah Crosby · 1 review · Experienced 2026-07-21 ·

Absolute thieves

Absolute thieves, not only do you go through a hard time with the passing of a pet but then you have a 33% APR loan/credit because vet bills are outrageous . Criminal and disgusting.

J
Jace Ambrose · 1 review · Experienced 2025-09-07 ·

Thank you, Scratch!

Scratch Pay allowed me to comfortably pay for my dog’s weekend emergency hospital stay. Getting approved while in the waiting room was such a weight off my shoulders in an already very stressful event.

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Brenda Cumby McGee · 5 reviews · Experienced 2026-06-29 ·

Scratch pay saved me twice now with my…

Scratch pay saved me twice now with my big boy Sir Winston the Giant Schnauzer. Once for emergency surgery and the other an unfortunate morning of something being wrong but all test were fine. The Vet took great care and recommended Scratch Pay and I was grateful to have it.

c
customer · 2 reviews · Experienced 2026-07-19 ·

It was so easy to navigate and easy to…

It was so easy to navigate and easy to make payments whenever

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Toni Martinez · 1 review · Experienced 2026-06-19 ·

Great service to have for unexpected…

Great service to have for unexpected emergencies. Quick and easy!

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Jeannie Holleman-Mercer · 1 review · Experienced 2025-10-08 ·

This service is amazing

This service is amazing! They helped my dog with an injury in which without them I would not have been able to do the testing the Vet ordered. There is nothing that I wouldn’t do for my dogs… being able to know that I can take them to the Vet when they are not well gives me such peace of mind. Thank you for your service…