Simple, friendly
payment plans
with no surprises.
Finding your plan won’t affect your credit score.†

Medical financing with heart
Phone number must be unique & not shared with another account
By tapping the button, you authorize Scratchpay to send you an SMS message to confirm your phone number. Message & data rates apply
Or find a practice & apply

Simplify your payments with Autopay

With Autopay, have your monthly payments automatically withdrawn from your bank account, or debit card, on your payment due date. Take one more thing off your plate!
Autopay is optional.

Why Scratch Pay

Scratch Pay provides access to simple, transparent payment plans.

Low-risk

Finding a plan won't affect your credit score.

Highest Approvals

More Scratch Pay plans are approved with affordable rates. 1

Friendly

No prepayment penalty. No deferred interest. 2

1 Based on Scratch Pay partner survey.

2 Standard late fees apply. Please review the terms presented to you during application carefully.

How it works

  1. Apply for a Scratch Pay plan from your phone or desktop
  2. Check your rate and pick your payment plan
  3. Get the care you need

Get the care you need

Find a payment plan that fits your budget

12 months 24 months
Number of payments 12* 24*
Frequency Monthly Monthly
APR Varies by applicant Varies by applicant
Down payment $15 $15

Late fees apply.

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.

*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 $15 down payment is required. Autopay enrollment is optional for 12-month, 24-month, and 36-month plans. Refunds are given for unused plans.


See what clients
are saying

I loved my experience with Scratchpay, it was extremely easy to set up and I got approved in under 15 minutes.
Madison
Scratchpay Customer
Thanks to Scratchpay, I was able to save part of our family!
Renée
Scratchpay Customer
Scratchpay was incredibly easy to use and our Bear could not have had his emergency surgery without them
Austin
Scratchpay Customer
We are thankful for Scratchpay. Without the help I don’t know what we would’ve done, we’re forever grateful.
Randy
Scratchpay Customer
Thank goodness for Scratchpay, It made it possible to help our little guy.
Andrea
Scratchpay Customer
Having Scratchpay as a payment option made the whole process super simple to apply for and super simple to pay back.
Caryn
Scratchpay Customer
Abigail is doing great thanks to Scratchpay! We couldn’t be happier with your service!
Nancy
Scratchpay Customer
If I ever need help with funds again I will be contacting Scratchpay.
Kimberly
Scratchpay Customer