Soothing Fears, Restoring Harmony, Enhancing Lives
Financial Assistance Options
Scratch Pay
Scratch Pay
Scratch Pay
- General Benefits:
- Straightforward payment options with no surprises.
- Applying doesn't affect credit scores.
- Transparent, low-risk options with high approval rates.
- No prepayment penalties or deferred interest; standard late fees apply.
- Plan Details:
- Bi-weekly Scratch Plan:
- Payments: 5 bi-weekly
- APR: 0%
- Down payment: 20%
- Bi-weekly Scratch Plan:
- General Benefits:
- Straightforward payment options with no surprises.
- Applying doesn't affect credit scores.
- Transparent, low-risk options with high approval rates.
- No prepayment penalties or deferred interest; standard late fees apply.
- Plan Details:
- Bi-weekly Scratch Plan:
- Payments: 5 bi-weekly
- APR: 0%
- Down payment: 20%
- Loan range: $35 to $1,000
- 12-month Scratch Plan:
- Payments: 12 monthly
- APR: Varies
- Down payment: $15
- Loan range: $150 to $10,000
- Bi-weekly Scratch Plan:
- 24-month Scratch Plan:
- Payments: 24 monthly
- APR: Varies
- Down payment: $15
- Loan range: $150 to $10,000
- Take 5 Plan:
- Divide your bill into 5 payments, due bi-weekly.
- No interest or hard credit check.
- Provider Fee:
- Scratchpay charges a 7% fee, with funds deposited within 2-3 business days after approval.
Pay Pal
Scratch Pay
Scratch Pay
- Benefits:
- No interest if paid in full within 6 months for purchases over $99.
- Interest applies if not paid within 6 months, with the purchase APR applicable to your account.
- Minimum payments required; items under $99 can be combined to meet the threshold.
- Terms:
- For new accounts: Variable Purchase APR is 29.24% as of 9/1/2023.
- Minimum interest charge is $2.00.
- Late fees up to $41 may apply.
Pet Insurance
Future Offerings: Care Credit
Future Offerings: Care Credit
- Recommendation:
- We encourage checking your pet insurance for coverage on behavioral consults, which may be available without a preexisting condition related to behavior.
- Various insurance companies include Embrace, Pets Best, TruPanion, Spot, Lemonade, and many others.
Future Offerings: Care Credit
Future Offerings: Care Credit
Future Offerings: Care Credit
- Care Credit:
- We are looking to offer Care Credit soon, providing another versatile option for financial assistance