Payment Options 

CareCredit is a credit card designed to support your health and wellness wants and needs. It’s a way to pay for out-of-pocket costs at over 260,000 locations nationwide, including treatments, procedures, and veterinary care.

Once you have CareCredit, you can use it over and over for yourself, your family, and even your pets—without reapplying, as long as you have available credit. Search online to find the nearest locations where you can use your CareCredit credit card.

The easiest and fastest way to see if you prequalify for CareCredit is to use this link. You will get the pre-qualification decision within seconds and if you pre-qualify, you can apply right away, with confidence. If you are approved, you will either be approved for the CareCredit credit card. You can also apply over the phone, toll-free, at (800) 677-0718. If you choose to call, you can use our automated system 24/7 or you can apply with a live agent between 9:00 am-9:00 pm Monday-Friday, Eastern Time. Applicants must be at least 21 years of age to apply by phone (must be 18 or older to apply).

Applicants by phone must have a written copy of the credit card agreement before proceeding, which can be printed from carecredit.com, or you can obtain it from your provider. In addition, you can apply at healthcare provider locations that accept CareCredit. At this time, applications via a provider are only for the CareCredit credit card. If you would like your application to also be considered for the CareCredit Rewards Mastercard, please apply at carecredit.com/apply.

No. You can see if you’re likely to be approved without impacting your credit score. If you receive an offer of credit and accept it, there will be a hard inquiry on your credit report, and it may impact your credit score.

You can use your CareCredit credit card just like any other credit card as long as you stay within your approved limit.

Your card can be used for veterinary medical procedures at any provider within the CareCredit network.

Scratch Pay plans offer simple, transparent financing solutions for the cost of veterinary care, dental work, and many other medical procedures and 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.

You can apply for a Scratch Pay plan from any internet-connected device at scratchpay.com, where you will receive an instant plan decision in most cases. Your credit score will not be impacted when you apply and accept a Scratch Pay plan. Scratch Pay plan applications do require a soft credit check.

Although you can apply for a Scratch Pay plan before being seen for a medical appointment, we recommend consulting your care provider beforehand for an estimated treatment cost.

Unlike a traditional credit card or other financing options, applying will not affect your score.

Typically, a borrower’s credit score will increase slightly when you open a new Scratch Pay plan because you have increased the number of credit relationships and credit mix. This process reverses itself once the plan is paid off, causing a borrower to lose the incremental benefit from their Scratch Pay plan credit relationship.

Certainly not! There are no pre-payment penalties for any of the Scratch Pay plans. Feel free to make additional contributions to your monthly payment if possible!