Does this affect my credit score in any way?
We perform one soft credit inquiry when you check your rates through Scratchpay.com, which does not affect your credit score.
This allows you to view the rates and terms that may be available to you. Applying for and accepting a Scratchpay payment plan will never impact your credit score.
However, like any other financing provider, if you fail to make payments on time, your credit score could be affected.
The interest rates on the website are a range. When will I get an exact number?
Since our merit-based interest rates are based on your entire personal and financial profile, your exact interest rate is calculated after you submit an application.
Remember that submitting an application will not impact your credit score. If we offer you a payment plan and you are not satisfied with the interest rate,
you can easily decline our offer at zero cost and there will be no effect on your credit score.
Please note, these interest rates apply only to Scratchpay’s Pay Over Time products (12 Equal Payments & 24 Equal Payments).
Because our Take 5 & Pay Later plans both have 0% APR, no interest will ever be applied.
Do you link up with my bank account? Are payments made automatically or do I need to pay manually?
We provide an automatic payment option called an Electronic Fund Transfer via ACH so you never have to worry about forgetting a due date again. Using this option, we electronically debit your bank account for the amount you owe on your due date. Other payment options are available. Call 855-727-2395 to speak with a Specialist today to schedule your next payment.
Does Scratchpay pay the practice immediately, and then I pay Scratchpay in installments with interest?
Exactly! Scratchpay pays the practice immediately. Depending on the payment plan you have selected, you either pay Scratchpay in 90 days with no interest, or in monthly installments over a period of 12 or 24 months with interest based on the rate you qualify for. Scratchpay’s Take 5 loans are interest-free, so you’ll only be responsible for the total cost of treatment.
What happens if I miss a payment?
If you have already missed your scheduled payment, call our Payment Planning Team at 855-727-2395. Our payment planning Specialists are committed to getting you back on track by helping you set up a payment arrangement that fits your budget.
What if I can't make an upcoming payment?
If you find that you can't make an upcoming payment on your loan, call our friendly Customer Service Specialists at 855-727-2395. We will do our best to find a solution that keeps you on track.
Can I make additional payments or prepay my whole loan?
Of course! If you find yourself ahead of the game, you can make additional payments at your convenience with no prepayment fees or penalties.
Prepaying your loan will reduce future interest payments (for Scratchpay payment plans that include interest: Pay Over Time (12 Equal Payments & 24 Equal Payments) plans.
To make an additional payment just call us at 855-727-2395.
You can refer to our Terms of Service for details on how payments are applied to outstanding balances.
Do I have to use one of your listed practices? Can I suggest a practice?
Yes, Scratchpay is only accepted at our partner locations. If your provider is not currently a Scratchpay partner (or if you would like to suggest a provider be added to the Scratchpay network) email the name of your practice to [email protected] and we will have a member of our Partnerships Team reach out to your practice.
How many medical bills can I use Scratchpay for? Can I put every practice visit on Scratchpay?
Yes! You can apply to use Scratchpay for every medical bill you have, and there is no pre-set limit to the number of medical bills you can use Scratchpay for. Applying will not affect your credit score. Within seconds of applying we let you know which plans are available for your transaction.
What bills can I get covered with Scratchpay? Are your payment plans only with veterinary care?
Scratchpay is offered in a wide variety of practices in the health and wellness space, including dental, vision, chiropractic and more. You can check out a list of Scratchpay partners in our directory at www.scratchpay.com/practices/search.
Can I pay my Scratchpay bills by check?
Yes. While we do encourage Scratchpay borrowers to pay via ACH (U.S.) or PAD (Canada), you do have the option to pay by check.
If you’re paying by check, please make it out to SCRATCH FINANCIAL, INC., write your Loan Number (which can be found on the top of your promissory note as Loan No.
and includes 6 digits and 3 letters - as an example 123456ABC) in the memo line, and send it to:
For Standard Mail (U.S. borrowers):
SCRATCH FINANCIAL, INC.
DEPT LA 25105
PASADENA, CA 91185-5105
For Courier Deposits (U.S. borrowers):
SCRATCH FINANCIAL, INC.
25105
14005 LIVE OAK AVE
IRWINDALE CA 91706-1300
For All Mail (Canadian borrowers):
SCRATCH FINANCIAL, INC.
225 S. Lake Avenue, Suite 250
Pasadena CA 91101
How do I contact Scratchpay?
Our friendly, understanding representatives are here 7 days a week to help you. We are dedicated to answering your questions by phone, email or text:
Phone: 855-727-2395
Fax: 213-402-6975
Email: [email protected]
What does it cost to offer Scratchpay?
The only cost associated with Scratchpay is a flat provider fee on the payment plans your patients accept.
There are no set-up costs, no membership fees, no long term contracts or commitments, and no hardware requirements.
The percentage associated with your practice’s provider fee varies based on your industry (dental, veterinary, vision, etc.).
To see what your particular percentage is, visit your industry’s landing page by scrolling down on
this page.
How do I offer Scratchpay?
Offering Scratchpay is easy! All we need to get you started is some basic contact
info. Once a patient pays you using Scratchpay, we’ll need routing information to pay
you. Sign up for Scratchpay by following this link to our
Scratchpay
Partner Application.
How will my patients know I offer Scratchpay?
Scratchpay sends each partner practice a Digital Welcome Kit with free, downloadable marketing materials for you to print and post around your office.
You can access your kit
here.
How do patients apply for Scratchpay?
Patients simply visit scratchpay.com on a computer, tablet, or phone and click “Find A Payment Plan” to start the application.
How do I know when a patient has paid me with Scratchpay?
Scratchpay sends instant emails to your practice as soon as your patient is approved. These emails let you know who the patient is, how much they’re approved for, and function as a guarantee for the full amount listed in the email, so you can get to work on the patient immediately!
How does Scratchpay know how much to pay me?
Once you’re partnered with Scratchpay, we activate your practice’s very own Scratchpay Dashboard. Your practice can use the Scratchpay Dashboard to finalize any open payments as well as review past payments.
How do I get paid by Scratchpay?
Scratchpay pays your practice through Direct Deposit. Each payment Scratchpay makes for patients at your practice will be its own line item in your bank statement from Scratchpay with an addendum detailing the patient's name and the fee associated with that transaction.
Does Scratchpay send monthly statements?
Yes! Scratchpay sends your practice monthly statements in the first week of the following month. You can also view your past Scratchpay payments through your Scratchpay Dashboard.
What happens if the patient fails to pay Scratchpay?
Once a patient accepts and uses a payment plan, Scratchpay takes full responsibility to ensure they pay us back, so no further action is required on your end.
That said, in some rare cases where we notice unusually high default rates from a practice, we do reserve the right to (i) apply more stringent criteria for approval,
(ii) decrease amounts originated to patients, and (iii) require additional verification from patients to take out payment plans.
No! You don’t have to check IDs, photocopy credentials, or gather any sensitive information. Each Scratchpay payment confirmation email will include a 6-digit Confirmation Code, which is identical to the one your patient receives when they’re approved. Just ask the patient for the code and you’re all good to go!
What if I need to refund a patient?
No problem! Just let us know the amount that needs to be refunded in your dashboard, and we’ll remove that amount from the patient's Scratchpay balance.
If we’ve already paid those funds to your practice, we will apply them against future payments to your practice.
What if a patient needs more funds?
We let each patient know exactly how much Scratchpay can lend to them.
If a patient needs more funds, ask them to check their email to see any additional amounts still available to them through scratchpay.com.
All a patient needs to do to activate these funds is go through the application again.
If it’s been more than 30 days since the patient last used Scratchpay (13 days for Take 5 payment plans), simply have the patient apply again at scratchpay.com.
What if a Payment Authorization Email is Not Received?
If there’s ever an issue with Scratchpay, get in touch with our Support Team immediately by either phone or email.
Phone: 855-727-2395
Email: [email protected]
What if a patient doesn’t have a phone that can receive text messages?
As a part of identity verification in our application, we text a one-time code to your patient's cellphone. They don’t need a smartphone, the phone just needs to be able to receive a text. If there’s ever a case where a patient doesn’t have a textable phone, you can try having the code texted to someone else’s or reach out to our Support Team.
Phone: 855-727-2395
Email: [email protected]
How do I contact Scratchpay?
Our friendly, understanding representatives are here 7 days a week to help you. We are dedicated to answering your questions by phone, email or text:
Phone: 855-727-2395
Fax: 213-402-6975
Email: [email protected]
