Signing up for CareCredit is fast and easy, and it gives you several payment plan options, based on your needs and budget. Once you apply, CareCredit will send you a credit card you can use to cover any costs not covered by insurance (if you have a pet insurance plan). Additionally, CareCredit does not charge interest on purchases of $200 and up, if all your monthly payments are made before or by their due date.
Scratchpay does not come with a credit card like CareCredit. Instead, you simply choose the timeframe for making your payments (5 payments bi-weekly, 1 monthly payment for 12 months, or 1 monthly payment for 24 months).