Read Scratch Financial, Inc. 173 Reviews Summary 2025

Karen rated Scratch Financial, Inc. 5 stars

4 months ago

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Scratch Pay was there for us twice when my dog had to be taken to the ER on two different occasions. They truly were a God send. And I don't have the greatest credit either. The interest rate wasn't bad at all. I feel as though they were very fair across the board. They're even forgiving when your late on payments. I never had any issues with them. Highly recommended!

Jayann Chipman rated Scratch Financial, Inc. 1 stars

2 weeks ago

I signed up for Scratch’s advertised 12-month zero-interest plan at my vet’s office, but the fine print revealed it was actually only six months. I tried to make regular payments, but their system often rejected my bank’s ACH transfers. After working with customer service to resolve it, one payment was charged twice, and the issues continued. Eventually, I mailed a check for the remaining balance, having been told I was still within the agreement window. The check was never cashed. When I followed up, Scratch said they hadn’t received it but told me to simply resend it. Months later, I received a $70 interest charge. Despite explaining the situation multiple times and being told it was escalated, I kept receiving past-due notices and was assured interest wouldn’t accrue during the review. When a decision was finally made, I was charged all interest—including what accrued during escalation. They waived a small portion, but I still paid an extra $104. Even after admitting their reps misinformed me and confirming it via call recordings, they took no responsibility. Their system also showed conflicting balances—online vs. phone. After being forced to pay with a credit card, I received a text showing yet another, higher balance that same day.

Carlis Moore rated Scratch Financial, Inc. 3 stars

2 weeks ago

If you're having issues getting a loan to go through: 1. Use a Chromium-based browser like Google Chrome or Microsoft Edge. Firefox will consistently fail with JSON parsing errors in the past step when making requests to Stripe. The webview used by the Android app is inconsistent and should probably be replaced with native components. 2. If you get the "Response Timeout" and an error page about half way through, wait about 30 seconds to see if it'll auto-refresh. If not, manually refresh. You may have to do this several times. I spent about an hour trying to help get this to go through when things had previously worked smoothly with minimal issues in the past. I am grateful for their services, and when it does work it does work. But when the automated process hits a hiccup, the options for recovery are limited and not at all robust and the customer service contact line really just serves as a verbal walk through of the same automated process rather than any means to get help via manual intervention. Depending on your situation you may very well be better off borrowing from your existing bank instead of using this service. Here's to hoping things improve. -- These people are not your friends, and if you're hoping for a human touch that cares about your pets, that is not what makes them money. Use with care.