133 Lincoln Ave, Fair Lawn, NJ 07410

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The following are some of the most common questions our vets get about financing patients’ care with the CareCredit credit card.

  • What is CareCredit?

    CareCredit is a healthcare credit card. It can serve as a way to pay for a variety of medical expenses, including your pet’s veterinary care with convenient monthly payments.


    The CareCredit card is accepted at over 250,000 providers and retail locations across the country.

  • How do I apply for a CareCredit card?

    The fastest way to apply for a CareCredit card is to visit their website here. There, you can see if you prequalify for a CareCredit credit card and, if prequalified, you can preview your credit limit. After checking whether you prequalify, you can either apply online at the link above, by phone or in person at our Fairlawn, NJ clinic.


    Applicants must be at least 21 years of age to apply by phone (must be 18 or older to apply through other means). Applicants by phone must have a written copy of the credit card agreement before proceeding, which can be printed from carecredit.com or can be obtained from our clinic.

  • How do I use my CareCredit card?

    You can use your CareCredit card just like you use any other credit card! As long as you stay within your credit limit, you can use your card to pay for any veterinary expenses you may have at LACH or our online pharmacy, or other participating healthcare providers without needing to apply every time.

  • What procedures can I use my CareCredit card for?

    The CareCredit card can be used for veterinary medical procedures at providers in the CareCredit network, from surgeries and routine exams to dental care and more.


    The following are some examples of the treatments and procedures that a CareCredit card can be used for:


    • Annual check-ups
    • Teeth cleaning
    • Parasites
    • Medication
    • Vaccinations
    • Microchipping
    • Pet food and nutrition
    • Rehab
    • Diagnostics
    • Spay and neutering
    • Chemotherapy
    • Surgical procedures
    • Emergency services

Get the care you need today, and pay for treatment costs overtime with a payment plan. Benefits of a payment plan: - Split treatment costs into smaller monthly payments - Not a credit card - No deferred interest or membership fees

  • How Do I Apply?

    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. At Scratch, when you apply and accept a Scratch Pay plan, your credit score will not be impacted. Scratch Pay plan applications do require a soft credit check.


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

  • When Is The best time to apply for a plan?

    The fastest way to apply for a CareCredit card is to visit their website here. There, you can see if you prequalify for a CareCredit credit card and, if prequalified, you can preview your credit limit. After checking whether you prequalify, you can either apply online at the link above, by phone or in person at our Fairlawn, NJ clinic.


    Applicants must be at least 21 years of age to apply by phone (must be 18 or older to apply through other means). Applicants by phone must have a written copy of the credit card agreement before proceeding, which can be printed from carecredit.com or can be obtained from our clinic.

  • Does applying for a scratch pay plan impact my credit score?

    Impacts of Scratch Pay plans on Your Credit Score


    Applying won’t affect your score†, unlike a traditional credit card or many other financing options on the market. 


    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. Once the plan is paid off, this process reverses itself, causing a borrower to lose the incremental benefit from their Scratch Pay plan credit relationship.


    Disclosures


    †Checking your eligibility for a plan will not impact your credit score. If you are approved and accept a Scratch loan, issued by WebBank, loan repayment activities may be reported to the credit bureaus.

  • Can I apply for multiple Scratch Pay Plan in One day?

    Absolutely! There are no restrictions on the number of applications you can submit, whether it's within a single day or over an extended period. If your application is approved, we will inform you of the specific amount you are eligible for at the time of your application.


    Visit www.scratchpay.com to apply. Remember, our application process is simple  and finding a payment plan will never impact your credit score.

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