The world's
simplest patient
financing solution
Simple, friendly payment plans with no surprises.

Finding your plan won’t affect your credit score.
Apply for Take 5 and other plans today!
Phone number must be unique & not be shared
By tapping the button, you authorize Scratchpay to send you an SMS message to confirm your phone number & verify who you are. Message & data rates may apply.

Now offering Take 5!

Take 5 lets you break up your bill into 5 easy payments. Your first payment will be today, and the other 4 payments will be due every 2 weeks after that.

  • No interest.
  • No hard credit check.
  • No worries, period.
Apply for Take 5

Why Scratchpay

Scratchpay provides you with simple, friendly payment plans.

Low Risk

Scratchpay isn't a credit card. Finding your plan option will NOT affect your credit score.

Highest Approvals

We approve more patients with affordable rates. 1


No hidden fees. No prepayment penalty. No deferred interest. 2

1 Based on Scratchpay partner survey.

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

How it works

  1. Apply for a payment 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

Take 5 Take a Year Take 2 Years
Number of payments 5* 12** 24**
Frequency Bi-weekly Monthly Monthly
APR*** 0% Varies by applicant Varies by applicant

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.

* First 20% down payment is due immediately. The remaining 4 payments of 20% each will be due every two weeks thereafter.

** Your monthly payment amounts on your loan will depend on your term length, the amount financed and APR. For example, a 12 month $10,000 loan with 5.99% APR would have 12 monthly payments of $860.62 for a total payment of $10,327.42. A 24 month $10,000 loan with 13.99% APR would have 24 monthly payments of $480.08 for a total payment of $11,521.96. The foregoing expected interest and repayment amounts assume you will make all payments in full on the scheduled due dates. Late payments or payments of less than the full amount due may result in higher interest charges and repayment amounts.

Don’t just take it from us

See what patients are saying.

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