Scratchpay


Scratchpay – Terrible Veterinary Financing and Poor Customer Support

In my Scratchpay review, I want to help you understand why you should avoid this financing provider. Even though they seem like an excellent option, this company has several serious issues.

What is Scratchpay?

Scratchpay is a loan provider for pet owners. It allows people to pay their vets through payment plans that can last from 5 to 24 months. Scratchpay doesn’t affect the credit score of its clients and is becoming popular among vets and pet owners. Thousands of vet clinics are using this veterinary financing solution currently and this number might surely increase with time. 

Basically, Scratchpay is a short term loan that you apply for when you need to pay a big veterinary bill. If the medical expenses increase, you can apply for another Scratchpay loan and manage multiple accounts at once. The lowest amount you can borrow from this financial platform is $35 and the highest is $10,000. 

Scratchpay Loans:

They perform soft credit checks to evaluate candidates and have an internal merit-based system to hand out loans. In terms of interest, Scratchpay has 0% APR for 90-day loans. They also have a ‘Take 5’ plan where you can make a 20% down payment when you sign on and then pay the rest in 4 installments of 20% every two weeks. This plan has 0% APR as well.

Apart from those two plans, Scratchpay also offers two other longer plans: 

  • 12-month loans where the interest depends on the amount and other factors
  • 24-month loans where the interest depends on the amount and other factors

Scratchpay would pay your clinic within two days of your signing on the plan. You can select manual or automatic payments through the Scratchpay app. Scratchpay charges penalties for late payments and for partial payments (less than the actual due amount). If you pay off your loan early, you don’t get any penalties. 

If Scratchpay Is So Great, What’s the Problem?

On paper, Scratchpay seems like an innovative financing solution to help pet owners. However, its owners have failed to execute it effectively. I wanted Scratchpay to be an excellent veterinary financing solution but that’s not the case. There are numerous complaints online about Scratchpay and its poor services. 

Similar post: TradeATF

When I researched this article, I found many complaints about this financier. The people at this company don’t communicate properly with the customers. And when you’re dealing with a loan, communication matters the most. Apart from that, another issue Scratchpay customers have is that those people are very cold-hearted and lack any compassion. 

I have shared several Scratchpay reviews here so you can see for yourself, how this company treats its users. 

According to numerous customer reviews, Scratchpay fails to provide quality customer services and its staff lacks compassion. For a veterinary financing provider, they have quite a terrible reputation among users.

Others’ Scratchpay Reviews

Even though Scratchpay’s concept seems amazing, the company has many issues. I found multiple complaints against this company and that prompted me to write this article as well.

This company has a terrible reputation on the web. On Trustpilot, a popular review site, this company has 3.1 stars out of 5. 44% of their reviews there give them a ‘Bad’ rating. 

scratchpay poor rating

On BBB, another prominent complaint site, this company has an ‘F’ rating. These ratings reflect a company’s reputation among its customers. 

Did You Know?

BBB (Better Business Bureau) is a private ownership firm, founded in 1912. The founder of the firm is Merle Sidener and claims to establish a trustworthy market with self-regulatory obligations. 

scratchpay bad rating

So you can see how poorly this financier treats its clients. That’s why I don’t recommend doing business with Scratchpay. 

No one should make an uninformed decision when it comes to loans and debts. 

You can easily get trapped in a long cycle of debts if you are not careful. Getting money from a poor lender exposes you multiple risks. You might end up losing a lot of your money or face multiple financial problems because of the loan. 

Here are some Scratchpay reviews I found that you might find useful:

Hide Information and Unhelpful Staff

scratchpay.com review

This person’s dog needed emergency surgery and they found a brochure about Scratchpay at the hospital. They applied for a loan there and got approved. However, the brochure didn’t mention anything about payment restrictions.

This led to a lot of problems. Because when this person tried to pay through their credit card, their payment didn’t process. The representative from the company told them that they can only pay through direct bank transfers or debit cards. Everyone from the company told them the same thing. 

The provision of restricted payment methods was in fine print on the email this person received after they got the loan. According to the complaint. Scratchpay doesn’t give any information about payment methods or restrictions prior to loan approval. 

In my opinion, this is quite a shady behavior for any lender. 

Disappointing

scratchpay review 3

This person complained that this company doesn’t approve loans for people with no or poor credit. According to them, this lender isn’t the right choice for you if you’re a common man. This can be a huge problem for people as well. The pandemic has affected everyone quite terribly.

If you have a bad credit rating because of things that weren’t in your hand, Scratchpay wouldn’t help you at all. This company’s cold-hearted approach towards pet emergencies is huge reason for people’s complaints.

Do Not Use This Site!

scratchpay review 2

The pandemic has affected everyone and this reviewer shares the same pain we all experienced this year. However, things worsened for them when their pet got ill and needed quick medical attention. 

According to this review, they got approval for a $200 loan from Scratchpay but sometime later, they received a notification that their loan wasn’t approved. As a consequence, they had to re-apply. 

As the pet was quite ill, they were more concerned for its health. They got approval for their new loan of $250 for which they paid $50 in advance. However, this person had no idea how terrible their experience could be. The vet told them that their clinic doesn’t accept Scratchpay. 

So this person had to use another payment method. However, regarding their $250 loan, they are requesting a refund of their $50 advance payment. This reviewer has warned others about the risk of dealing with this financier. 

Extortion and Breach of Contract

scratchpay review 1

According to this reviewer, they got a loan for $250 from this company. They say that their first payment went smoothly, but they had to change their card before the second payment. This led to multiple issues.

The company received several payments from them that exceeded the total due substantially. According to the complaint, the person paid $20 more than the due amount and an additional $170 in unauthorized transactions. That’s why you should choose lenders very carefully. Choosing the wrong lender can cause you to lose a lot of money. 

Account Sent to Collections!

scratchpay complaint

This reviewer complained about the cold-hearted way Scratchpay handled their complaint. They had requested Scratchpay to allow them to skip one payment because of the pandemic. At first the representative said it’s not possible so this person had to remind the rep about one of their policies. 

Scratchpay has a policy regarding financial hardship where the borrower can skip a month. However, the people at this company don’t seem to care about their policies. The reviewer says that they have been receiving multiple phone calls, emails, and text messages reminding of their due payment. Then the company started saying that their account will go into collections if they don’t pay within three days. 

It’s apparent that Scratchpay staff doesn’t care about its own policies. They are too focused on recovering their payments even if it leads to client harassment. 

Reading these Scratchpay reviews was depressing. I worry that the number of such customers is quite high. That’s because not everyone likes to share their experience with strangers online. 

Scratchpay has caused many people to lose money. It has a very cold-hearted staff and it doesn’t care about its clients. Moreover, there can be many more disgruntled customers of this company.

Scratchpay Review: Conclusion

Even though Scratchpay seems like an excellent veterinary financing solution, I wouldn’t recommend using their services. These people have too many customer complaints online. The support staff of this company had not responded to any of these reviews too. 

So you can understand how terribly they treat their clients. I know it can be difficult to think clearly during an emergency. But precautions are better than cures. You wouldn’t want to extend your problems by dealing with a poor lended like Scratchpay. 

If you know any pet owners, please share this article with them. They should know about these Scratchpay reviews. 

2.5 Total Score
Better to Avoid

Scratchpay seems like a great solution but seeing how many complaints it has, I can't recommend their services. Customers complain about its terrible support staff, policies, and the way the staff treats them. That's why I would advise you to choose some other option.

2.5Expert Score
Trust
4
Support
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Experience
4
2.4User's score
Trust
2.5
Support
2.2
Reputation
2.5
Experience
2.7
PROS
  • Innovative Solution
CONS
  • Terrible Reputation
  • Poor Customer Support
  • Careless
Add your review  |  Read reviews and comments

19 Comments
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  1. Reply
    Scratchpay is a Scam
    July 7, 2022 at 9:04 pm
    0.5
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    Scatchpay is nothing more than a crooked scheme where no matter how many on-time payments you make, you still ahve to pay more because of some technical error. I had taken out a loan last year to help pay for my kitty’s treatment. They released the funds and I made all the payments on time. Then, all of a sudden they increased my pending amount claiming I had missed 2 payments. WTF? I sent them proof of my transactions but they didn’t listen. They wanted me to pay those additional 2 payments regardless. Don’t go to these guys. Save yourself and avoid Scratchpay!

    - CONS: Scam
    Helpful(0) Unhelpful(0)You have already voted this
  2. Thank you all for sharing your experiences. I will accept one of the offers I have received for a card that has 0% interest for 12 or more months. I looked into scratch pay because it was on the vet’s website I was looking at. That vet was recommended to us to do knee surgery for our dog and I know that will cost a small fortune. You have saved me the headache.

  3. 5
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    I had Scratch Pay before and had no problems. It was a last result which worked out. I recommend Scratch Pay.

    + PROS: Easy Finance
    - CONS: N/A
    Helpful(0) Unhelpful(0)You have already voted this
  4. 0.5
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    Denied credit to customer with 850 credit score and told to have a family member apply! Not everyone has family who are living. Avoid this scam company.

    + PROS: None.
    - CONS: Too many to list
    Helpful(0) Unhelpful(0)You have already voted this
  5. This company is very crooked. When you are in financial trouble their agents work with you to be forgiving to not pay for a 30 day to 60 day cycle. This is a trap because when you do pay over the minimum payment, they start using that 30 days they gave as forgiving. It is used every month saying you are 30 days late with late fees of 20 dollars added on every since month. When you call in after this period you are then belittled and punished with more fees. If you get this assistance from them, never, never, never ask if it is ok for you to start paying between 30 to 60 days if you are in financial trouble. In 4 months with fees I have paid 100 dollars as supposed monthly of being 40 days but that late period was when asked if I could pay extra the following month. Horrible customer service as well because when I phoned to talk about the being late I had 3 different customer service representatives hang up on me and not reply when I sent them screen capture of the payments and their supposed late fees.

  6. 0.35
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    I applied for and received a Scratchpay loan for $660 in February 2020 with 16.9% APR and 12 scheduled payments of $60.40 a month. I made one payment of $62.00 at time of vet service and paid the remaining balance of $620.55 3 weeks later. Today, I applied for $600 for my dog’s surgery and was denied. Makes zero sense. The only reason I can see is because I paid off the balance early in the month it was opened, preventing any interest charges on the account. The site says no penalty for early payoff, but the application denial says otherwise.

    Helpful(3) Unhelpful(0)You have already voted this
  7. 0.5
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    Scratchpay has one of the worst customer support staff out there. I don’t recommend them at all!

    - CONS: Scammer
    Helpful(0) Unhelpful(0)You have already voted this
  8. 0.5
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    Stay far away from this company! I got a SP for $600 but only used $108 of it because I wanted to use it again. I paid it off within 6 days. When I paid it off, it did not reflect on the account as being paid. A couple days later, I rechecked the account and kept accruing interest. So I called SP and told them that it was paid off. I finally get confirmation two weeks later that it has been paid off. I applied for a new loan and was DENIED. You pay for a loan in good standing and get denied. Bad business ethics. Stay away, far away from this company. I am not impressed and when I called to asked why I was denied, they told me to refer my friends and family and I told them NO. Because of this interaction, I will be giving a bad review of this company and not referring people to this company.

    + PROS: Easy to apply, financing almost immediately.
    - CONS: You have to obtain a verification number, once you pay it off the loan atill accrues until you talk to a rep, once you are paid off and showed good payment and re-apply don't expect to get approved for another loan even on short term loans. Stay away!
    Helpful(3) Unhelpful(0)You have already voted this
    • I had the same experience in paying off my loan in good standing with zero late/missed/partial payments, followed by a denial. If you don’t make payments, they’re not making money and will deny your application.

  9. Reply
    Scratchpay is a scam
    July 1, 2021 at 9:26 pm
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    Getting the insurance was easy with Scratchpay. But my problems started when I tried to pay it back. I believe they overcharged me. The procedures my pup needed weren’t as expensive as these people claim to be. They use hidden charges to scam people.

    - CONS: scam
    Helpful(2) Unhelpful(1)You have already voted this
  10. 0.5
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    My personal experience with this company was terrible. I always told that I would get a loan easily at first but later, I was getting zero response. Who does that?

    Scratchpay has one of the worst customer support staff members in the market. I wish they would pay more attention to their clients. I had to make alternative arrangements at the time otherwise my pet would have lost her life. I don’t recommend Scratchpay. Begging on the street would be more beneficial than contacting Scratchpay!!

    - CONS: My pet nearly died because of the terrible customer support at this company
    Helpful(1) Unhelpful(1)You have already voted this
  11. 3.85
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    This is my personal experience with scratchpay.
    i have a decent credit score so i got approved immediately for 5,000$ (i only used 3k so they adjusted the payment amount on what was actually used)
    my sisters cat needed surgery so it was either take out a loan or put him down i chose to save him.
    They currently have a new website that is a little buggy and instead of paying off 1,000.00 in a single go it only paid of 1$ twice. I contacted support cause i panicked thinking 2k is now pending on my card (Peak anxiety moment), i got a response immediately from the lender who said it was 2 dollars not 2k, and informed me that their new website had some issues they were trying to fix and that they highly recommended paying on their old website. (this happened today 4/22/2021)

    Yes scratch pay might of had some issues in the past but they’re working on it and their representatives are quite friendly and get to the point which in my opinion is appreciated.

    Just my 2 cents cause i feel like some people need to hear this-> You cant expect to get a decent loan when your credit score is ass, my sister for example only qualified for 250$, her college loan/ paypal and other things stacked up and she never payed them off so how can you expect to get a decent loan when your credit history tells them yeah this person is irresponsible and wont pay off their debts.I get life happens, but you have to think ahead. I am by no means well off in life i just made sure to pay off my credit cards and loans a head of time when ever possible to build my credit score. You cant get mad at a company for seeing you as a loss when thats what you present yourself as, even now im choosing to pay 1,000 instead of the minimum 150$ a month because i dont want interest fees added and i dont want to get stuck paying this bill. Prioritize your shit yall.
    Frankly i scolded my sister for not having back up emergency funds or insurance for her cat , your pets like your bills are your responsibility it is your job to do whats right.

    + PROS: [IF you have a decent credit score] -5k Pre approval (they will send you a message and explain how to get more if you need it) -They wont charge you for the 5k only what ends up getting used by the VET -of course there is an interest for taking the loan out ((Example: 3k vet bill +600 for taking the loan out in the first place)) -Quick & friendly lenders ready to help you if needed
    - CONS: -Their new app & website is buggy so pay on their old website pay.scratchpay.com
    Helpful(3) Unhelpful(6)You have already voted this
  12. 0.5
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    Keep sending me emails of my past due payment. Which I don’t have a late payment I contact these people to discuss my situation and the worse customer care. They didn’t care and ruin my credit twice. I have been on time with my payments and still they keep saying I’m a month behind. We need to get together about this manner.

    Helpful(1) Unhelpful(0)You have already voted this
    • I’m sorry for what you had to go through. I had a similar painful experience with Scratchpay. It’s unbelievable how this company has been ruining people’s lives and is still able to run its operations.

  13. I have noticed that your content is getting more traction. Congratulations Gripeo, you guys are doing God’s work here.
    Because of you, I was able to save a ton of money last month.
    Keep up the good work, we need more organisations like you.

  14. 1.25
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    There is no customer support at Scratchpay. I was facing a technical problem while repaying the loan. I had lost my job and I still had to repay my loan. So I tried to contact these people to talk about my situation and get a possible rebate for a week. However, I didn’t get any response whatsoever. These people are running a greedy business with no regard for their clients.

    Helpful(0) Unhelpful(1)You have already voted this
  15. 1
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    Scratchpay is a scam. They claim to help pet owners in emergencies but that’s a lie. My poor puppy needed treatment and I had to take him to a vet. But the bill was too big for me to manage. I tried Scratchpay but they didn’t even respond that day.
    I had to borrow funds from other people. Don’t rely on Scratchpay for emergencies. Those people don’t care about your pets.

    Helpful(3) Unhelpful(1)You have already voted this
  16. 1.25
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    Requested a loan for my sick kitten. They didn’t respond for days!! They claim to offer emergency services but they are lying. They waited for days to tell me that my request was denied. If I had relied on them, my poor baby would have died. Scratchpay is the worst when it comes to caring about your pets. They are crooks who only care about money.

    Helpful(1) Unhelpful(1)You have already voted this
  17. 1.25
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    Scratchpay is one of the worst lenders out there. The customer support at this company is non-existent. You can’t possibly have worse customer support than that. I have been trying to contact them for so long but they don’t respond!! It has been a nightmare.
    You’d think a small company like this would care for its employees but that’s not the case here. These people are greedy and self-centred. Please avoid this company.

    - CONS: No customer support exists here
    Helpful(2) Unhelpful(1)You have already voted this

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