payment plans
with no surprises.
Simplify your payments with Autopay
Why Scratch Pay
Scratch Pay provide 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
How it works
- Apply for a Scratch Pay plan from your phone or desktop
- Check your rate and pick your payment plan
- 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.