Ardent Animal Health
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Offer a simpler financing
option to pet parents

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Better financing for PRP, stem cell & cancer vaccine services


Get higher

4 of 5 practices report higher
approvals (According to a
2020 partner survey).


Increase your
practice’s revenue

Boost revenue at your
practice by serving
more clients


transaction fee

Simple, flat-free pricing
with zero hidden costs.


  • No long term commitments
  • No membership fees
  • No sign up costs
  • No hardware or software required

Scratch Pay


5 payments* | bi-weekly
0% APR

Client pays down payment
at the appointment.
Remaining 4 payments are
paid every two weeks.

12 Month

12 payments** | monthly
APR varies by Client

Clients can sign up for a
12 month plan.

24 Months

24 payments** | monthly
APR varies by Client

Clients need more time?
For larger bills, we offer
a 24 month plan

No deferred interest

No prepayment penalty

No hidden cost*

No deferred interest
No prepayment penalty
No hidden cost*

*Late fees apply
12 and 24 month Scratch Pay payment plans require a $15.00 down payment to obtain financing, which will be refunded if you do not use your plan. All payment plans and loans are subject to approval and, with respect to the loan, the rate for which individual borrowers qualify may vary based on individual credit history and other factors.

*Bi-weekly Plans require a 20% down payment of the total amount financed, with the remaining amount financed split equally among the four remaining payments due every two weeks. Loan amounts range from $35 to $1,000 and 0% APR. Late payments or payments of less than the full amount may result in late fees. For example, a $200 Bi-weekly Plan would require a 20% down payment of $40. Four equal payments of $40 would be due every two weeks thereafter.

**Scratch Pay plans are available in 12 to 36 month terms, range in approved loan amounts from $200 to $10,000, and with annual percentage rates (APR) ranging from 0% to 36%, with the lowest rates for borrowers with exceptional credit profiles. Monthly payment amounts on plan will depend on the term length, amount financed, and APR. For example, a 12-month payment plan for $10,000 with 5.99% APR would have 12 monthly payments of $860.62 for a total repayment amount of $10,327.44. Signing for a plan means the borrower agrees to make all payments in full and on the scheduled due dates. A borrower may incur late fees for partial or late payments that may result in higher interest charges and repayment schedule. To obtain financing, a down payment is required.


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Already a Scratch Pay partner?

Here are some new tools we're offering to help keep conversations fresh with your clients. Learn more about the benefits Scratch and Ardent Animal Health can bring to your practice.

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Have additional questions?

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Client financing issued and serviced by Scratch Financial, Inc., NMLS ID#: 1582666. Ardent Animal Health and its affiliates are not a party to any Scratch financing agreements.