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

Finding your plan won’t affect your credit score.
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

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 Scratch Plan

Scratch Plans provide access to simple, transparent payment plans.


Finding a plan won't affect your credit score.

Highest Approvals

More Scratch Plans are approved with affordable rates. 1


No prepayment penalty. No deferred interest. 2

1 Based on Scratch Plan 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 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

Scratch Plan
Scratch Plan
12 months
Scratch Plan
24 months
Number of payments 5* 12** 24**
Frequency Bi-weekly Monthly Monthly
APR 0% Varies by applicant Varies by applicant
Down payment 20% $15 $15

12 and 24 month Scratch Plans require a $15.00 down payment to obtain financing, which will be refunded if you do not use your plan.

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.

*Bi-weekly Plans require a 20% down payment of the total amount financed, with the remaining amount financed split equally among the four remaining payments due every two weeks. Loan amounts range from $35 to $1,000 and 0% APR. Late payments or payments of less than the full amount may result in late fees. For example, a $200 Bi-weekly Plan would require a 20% down payment of $40. Four equal payments of $40 would be due every two weeks thereafter.

**Scratch Plans are available in 6, 12, 18, and 24 month terms, range in loan amounts from $150 to $10,000, and with annual percentage rates (APR) ranging from 0% to 36% with the lowest rates for borrowers with exceptional credit scores. Monthly payment amounts on a Scratch Plan will depend on the term length, amount financed, and APR. For example, a 12-month Scratch 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 Scratch 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. 12 and 24 month plans require a $15 down payment due immediately.

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.
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