John M.
Verified Borrower • Texas
"Got approved in literally 2 minutes. Funds hit my account the next day. Exactly what I needed!"
5.0
4,200+ funded this month
Quick Pet Funding: $100 – $5000 Fast
Care for your pet without financial worry. Simple, quick funding.
All Credit Welcome
2-Minute Application
No Hidden Fees
J
M
S
K
4.8/5 rating
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Why Scratchpay
Get Funded in 3 Simple Steps
No paperwork. No waiting in line. Everything happens online.
1
Apply Online
Fill out our simple 2-minute form. No impact on your credit score.
2
Get Approved
Receive personalized loan offers from trusted lenders in seconds.
3
Get Funded
Accept your offer and receive funds as fast as the next business day.
Payment Calculator
Estimate Your Monthly Payment
See how affordable your loan could be.
Smart borrowing starts with the right comparison
Here's a representative example of interest rates, terms, fees, and total repayment costs.
| Loan Amount | $1,000 | $2,000 | $5,000 | $10,000 |
|---|---|---|---|---|
| Interest Rate (APR) | 24% | 19% | 13% | 8% |
| Loan Term | 12 Months | 24 Months | 48 Months | 60 Months |
| Other Fees/Costs (%) | 5% | 5% | 5% | 5% |
| Other Fees/Costs ($) | $50 | $100 | $250 | $500 |
| Monthly Payment | $99.29 | $105.86 | $140.84 | $212.90 |
| Number of Payments | 12 | 24 | 48 | 60 |
| Total Payment | $1,191.48 | $2,540.64 | $6,760.32 | $12,774.00 |
APR Ranges From 5.99% up to 35.99% For Qualified Customers • 91 Day Minimum up to 72 Month Maximum Repayment Period
Why Scratchpay
Built Around Trust
Fast Decisions
Get your decision in minutes, not days.
No Hidden Fees
Transparent terms with clear pricing upfront.
All Credit Types
Lenders who consider all credit histories.
Direct Deposit
Funds deposited straight to your bank account.
Customer Stories
Trusted by Thousands
See what our customers are saying about their experience.
Sarah K.
Verified Borrower • California
"The process was so simple. No hidden fees, and the rate was better than my credit card. Highly recommend!"
5.0
Robert M.
Verified Borrower • Florida
"I was skeptical at first, but they delivered. Fast approval, clear terms, and great customer service."
5.0
FAQ
Common Questions
Will checking my rate affect my credit score?
No. We use a soft credit inquiry which does not affect your credit score. A hard inquiry may occur only if you proceed with a loan offer.
How much can I borrow?
Loan amounts range from $100 to $5000 depending on your state, credit profile, and lender terms.
How fast can I get funded?
Many lenders offer next-business-day funding once approved. Some may fund same day.
What are the interest rates?
APR ranges from 5.99% to 35.99% depending on your credit profile, loan amount, and term.
Can I repay my loan early?
Most lenders allow early repayment without prepayment penalties, saving you money on interest.
What do I need to apply?
Be 18+, have a valid U.S. bank account, steady income, and a valid email and phone number.
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