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What is a Scratch Plan?

Scratch Plans offer simple, transparent financing solutions for you to pay for the cost of veterinary care, dental work, and many other medical procedures & treatments. A Scratch Plan enables approved borrowers to access their desired care and spread the cost of treatment over time, with financing plans available up to $10,000.

To get started, apply at from any internet-connected device and receive an instant plan decision (in most cases). At Scratch Financial, we don't perform hard credit checks to determine plan eligibility.


Scratch Plans originated in the United States are issued by WebBank. Scratch Plans originated in Canada are issued by ©Scratch Financial, Inc. ©Scratchpay (NMLS ID#: 1582666). Scratch Plans are loan products subject to eligibility.