---
title: Scratch Financial, Inc.  | 100% Digital Payment's Platform for Medical Practices
description: Explore the Scratch platform, featuring our patient financing product, Scratch Pay, our payment processing product, Scratch Checkout, and our patient communications product, Scratch Comms. Build the future with Scratch.
image: https://get.scratchpay.com/hubfs/2022_Q1-getscratch-web-thumb%20(1).png
---

 Select a Product:

 Scratch Checkout

 Scratch Pay

What type of business are you?

Veterinary

Dental

Optometry

Chiropractic

Other

Cancel

# Introducing Scratch Checkout

[![Sign up now](https://no-cache.hubspot.com/cta/default/6598889/abe94b01-9b6d-4fcd-a7a6-212a92dee7ff.png)](https://cta-redirect.hubspot.com/cta/redirect/6598889/abe94b01-9b6d-4fcd-a7a6-212a92dee7ff)

By getting started, I agree to the [Payment Services Agreement](https://scratchpay.com/legal/paymentservices), [Program Agreement](https://scratchpay.com/legal/agreement), [Program Agreement for Canadian Providers (excluding Quebec)](https://scratchpay.com/legal/pac), [Privacy Policy](https://scratchpay.com/legal/privacy-providers) & [E-Consent](https://scratchpay.com/legal/eca-providers)

![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/new-asset-calendar.png) 

![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/Terminal-WisePOSE-01.png)

 Innovative, Integrated Payment Processing at competitive rates. See how you can streamline your hospital and save **$900 per month**.[†](https://get.scratchpay.com#ref1)

[Sign up now](https://calendly.com/d/cpdr-8w5-b6q/scratch-checkout-demo?utm_source=demo&utm_medium=bookdemo&utm_campaign=oldwebsite&utm_id=getscratch&utm_term=equine&utm_content=demo)

By getting started, I agree to the [Payment Services Agreement](https://scratchpay.com/legal/paymentservices), [Program Agreement](https://scratchpay.com/legal/agreement), [Program Agreement for Canadian Providers (excluding Quebec)](https://scratchpay.com/legal/pac), [Privacy Policy](https://scratchpay.com/legal/privacy-providers) & [E-Consent](https://scratchpay.com/legal/eca-providers)

![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/new-asset-calendar.png) ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/Terminal-WisePOSE-01.png)

![icon-tags-percent](https://get.scratchpay.com/hs-fs/hubfs/getscratch/images/icon-tags-percent.png?width=120&height=120&name=icon-tags-percent.png) Trending

$900

Avg. monthly savings

Practices that switch to Scratch Checkout, save big on fees.

 Source: Average monthly savings on fees for practices that switched to Scratch Checkout in 12 months ending 11/1/2023.

![icon-card-black](https://get.scratchpay.com/hs-fs/hubfs/icon-card-black.png?width=289&height=289&name=icon-card-black.png) Trending

$0

No cost credit card processing

When clients check out a surcharge can be added to their total for credit card payments.

 Surcharging is optional and is not applied to debit or prepaid cards.

![icon-pc-black](https://get.scratchpay.com/hs-fs/hubfs/icon-pc-black.png?width=289&height=289&name=icon-pc-black.png)

>90%

PIMS-Integrated Customers

Eliminate Rekeying & Simplify Month-End Reporting

[Get Started](https://calendly.com/d/cpdr-8w5-b6q/scratch-checkout-demo?utm_source=demo&utm_medium=bookdemo&utm_campaign=oldwebsite&utm_id=getscratch&utm_term=equine&utm_content=demo)

![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/gradient-opaque.png)

**Payments**

## Scratch Checkout

 Finally, the integrated payments solution you've been asking for.

**Payments**

## Scratch Checkout

 Finally, the integrated payments solution you've been asking for.

![icon-offer-tags-blue](https://get.scratchpay.com/hubfs/icon-offer-tags-blue.png)

 Save on fees

 On average, new customers save $900 per month on processing fees. Some save much more.

![icon-code-star-purple](https://get.scratchpay.com/hubfs/getscratch/images/icon-code-star-purple.png)

 Streamlined Workflows

 Payments automatically reconcile with your practice management system, saving your team time.

![icon-chat-popup-blue](https://get.scratchpay.com/hubfs/icon-chat-popup-blue.png)

 Request digital payments

 Use text-to-pay, email-to-pay and digital invoicing for fast, seamless communications.

![icon-g-apple-pay-purple](https://get.scratchpay.com/hubfs/getscratch/images/icon-g-apple-pay-purple.png)

 Accept digital wallets

 With a few taps, your patients can be paid up.

![icon-bar-graph-purple](https://get.scratchpay.com/hubfs/getscratch/images/icon-bar-graph-purple.png)

 Advanced reporting

 The modern, cloud-based dashboard includes powerful, flexible reporting.

[Get a demo](https://meetings.hubspot.com/neil108/payment-processing-round-robin-new-website-lander)

[See how it works](https://get.scratchpay.com/hubfs/Videos/GTM%20-%20Videos/Scratch-GTM-UseCases.mp4?hsLang=en)

![](https://6598889.fs1.hubspotusercontent-na1.net/hubfs/6598889/Email%20templates/Conference%20[sales%2C%20marketing]/WVC/Make-paying-convenient-checkout@2x.png)

## How we stack up

|  | ![CareCredit](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/logo-squareup.png "CareCredit") | ![Scratch Heart](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/logo-Scratch-heart.png "Scratch Heart") |
| --- | --- | --- |
| Patient financing at checkout | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-cross-sunset.png) | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-tick-mint.png) |
| Integrated with leading practice management software (PIMs) | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-cross-sunset.png) | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-tick-mint.png) |
| Digital and in-person payment options | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-tick-mint.png) | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-tick-mint.png) |
| Automated AR collections | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-cross-sunset.png) | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-tick-mint.png) |

**Questions?** [Schedule a 30 Minute Overview](https://meetings.hubspot.com/neil108/payment-processing-round-robin-new-website-lander?__hstc=200314481.5e0c2d20ff4535639249e9ce6e053386.1676490511020.1714656906602.1714755543313.268&__hssc=200314481.1.1714762777569&__hsfp=3450272365&hsCtaTracking=abe94b01-9b6d-4fcd-a7a6-212a92dee7ff%7C5eeb4dcd-49c5-4ff1-930a-3d8ecdc0e8ee&uuid=e796dc65-4ae0-491a-94b2-3d0a67c33fcd)

**Payment Processing**

## From check-in to checkout

Simplify billing & collections with Scratch

![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/From-checkin-to-checkout.png)

**Payment Processing**

## From check-in to checkout

Simplify billing & collections with Scratch

With curbside service, send patient forms and allow patients or clients to text upon arrival, all from your Scratch Dashboard.

Offer your clients a portfolio of payment options, from credit cards and payment plans to digital wallets.

Simplify your daily reconciliation process by syncing payments to your practice management software in minutes.

 No setup costs   |   No cancellation fees

[Book a Demo](https://calendly.com/d/cpdr-8w5-b6q/scratch-checkout-demo?utm_source=demo&utm_medium=bookdemo&utm_campaign=oldwebsite&utm_id=getscratch&utm_term=equine&utm_content=demo)

## Simple Practice Management Systems Workflows

![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/practice-management-extension.png)

[See our list of extensions](https://get.scratchpay.com/partners?hsLang=en)

The ultimate in simplicity.

Scratch links our payment processing technology seamlessly with the leading practice management software.

[See our list of extensions](https://get.scratchpay.com/partners?hsLang=en)

![icon-faq-support](https://get.scratchpay.com/hubfs/getscratch/images/icon-faq-support.png "icon-faq-support")

## FAQs

 Read how our product  
and services work

![icon-faq-support](https://get.scratchpay.com/hubfs/getscratch/images/icon-faq-support.png "icon-faq-support")

## FAQs

 Read how our product  
and services work

 What is your pricing?

 To see pricing for our payment processing solution follow the link below. For Enterprise pricing, email Partners@Scratchpay.com

![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/Dropdown-5B70FF.png)   [ View pricing ](https://get.scratchpay.com/pricing?hsLang=en)

 Which practice management extensions are you live with?

 Scratch is continuously building and innovating our payments platform. To view the latest extensions select the link below.

![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/Dropdown-5B70FF.png)   [ View extensions ](https://get.scratchpay.com/partners?hsLang=en)

 Who do you use to power your PIMS integration?

 We do not rely on third parties for PIMS integration. We built our integrations to the same high standards you've come to expect from Scratch!

 What does it take to get started?

 Our onboarding team has helped thousands of hospitals launch with Scratch. Once signed up, most go live after one quick call, but we're always here to help.

![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/Dropdown-5B70FF.png)   [ Watch video ](https://get.scratchpay.com/hubfs/Videos/GTM%20-%20Videos/Scratch-GTM-UseCases.mp4?hsLang=en)

 I’m still not sure, do you offer trial periods?

 At Scratch, we don't lock you into fixed term agreements or require minimum volumes. Our sales team can help discuss how to try us out in the way that works best for your team.

![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/Dropdown-5B70FF.png)   [ Schedule appointment ](https://meetings.hubspot.com/neil108/payment-processing-round-robin-new-website-lander?__hstc=200314481.5e0c2d20ff4535639249e9ce6e053386.1676490511020.1714656906602.1714755543313.268&__hssc=200314481.1.1714762777569&__hsfp=3450272365&hsCtaTracking=abe94b01-9b6d-4fcd-a7a6-212a92dee7ff%7C5eeb4dcd-49c5-4ff1-930a-3d8ecdc0e8ee&uuid=e796dc65-4ae0-491a-94b2-3d0a67c33fcd)

![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/gradient-opaque.png)

![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/confetti-sprinkles.png)

## Hear from our partners

 Our goal is to provide   
simplicity, period.

[View case studies](https://get.scratchpay.com/hubfs/Scratchpay_CaseStudy-Paz.pdf?hsLang=en)

[![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/how-it-works-play.png)](https://get.scratchpay.com/hubfs/Videos/GTM%20-%20Videos/Scratch-GTM-Testimonials.mp4?hsLang=en)

![western-dental Partner](https://get.scratchpay.com/hs-fs/hubfs/vertical-landings/common/logos/partners/western-dental.png?width=1146&height=228&name=western-dental.png)

 Partner

 Really easy to use.

![Logo-vet-Pathway@2x ](https://get.scratchpay.com/hs-fs/hubfs/partners/Logo-vet-Pathway@2x.png?width=138&height=38&name=Logo-vet-Pathway@2x.png)

 In our line of business of animal emergency medicine- we find people do not have financial saving for their pets. Scratchpay has literally saved dozens of pets lives at our facility alone!

![western-dental Partner](https://get.scratchpay.com/hs-fs/hubfs/vertical-landings/common/logos/partners/western-dental.png?width=1146&height=228&name=western-dental.png)

 Partner

 Really easy to use.

![Logo-vet-Pathway@2x ](https://get.scratchpay.com/hs-fs/hubfs/partners/Logo-vet-Pathway@2x.png?width=138&height=38&name=Logo-vet-Pathway@2x.png)

 In our line of business of animal emergency medicine- we find people do not have financial saving for their pets. Scratchpay has literally saved dozens of pets lives at our facility alone!

![Logo-vet-Vetcor@2x Partner](https://get.scratchpay.com/hs-fs/hubfs/partners/Logo-vet-Vetcor@2x.png?width=138&height=38&name=Logo-vet-Vetcor@2x.png)

 Partner

 The program is user-friendly

![Google my business rating](https://get.scratchpay.com/hubfs/Screenshot%202022-09-07%20at%2023.06.56.png)

## Simplify and save with the Scratch Checkout

 Innovative, Integrated Payment Processing at competitive rates. See how you can streamline your hospital and save **$900 per month**.[†](https://get.scratchpay.com#ref1)

[Sign up now](https://calendly.com/d/cpdr-8w5-b6q/scratch-checkout-demo?utm_source=demo&utm_medium=bookdemo&utm_campaign=oldwebsite&utm_id=getscratch&utm_term=equine&utm_content=demo)

 By getting started, I agree to the [Payment Services Agreement](https://scratchpay.com/legal/paymentservices?__hstc=177767418.f780f4d3dc709cd7a190e13a806245fd.1676669766168.1699311996524.1699558728535.70&__hssc=177767418.1.1699558728535&__hsfp=2556139473), [Program Agreement](https://scratchpay.com/legal/agreement?__hstc=177767418.f780f4d3dc709cd7a190e13a806245fd.1676669766168.1699311996524.1699558728535.70&__hssc=177767418.1.1699558728535&__hsfp=2556139473), [Program Agreement for Canadian Providers (excluding Quebec)](https://scratchpay.com/legal/pac?__hstc=177767418.f780f4d3dc709cd7a190e13a806245fd.1676669766168.1699311996524.1699558728535.70&__hssc=177767418.1.1699558728535&__hsfp=2556139473), [Privacy Policy](https://scratchpay.com/legal/privacy-providers?__hstc=177767418.f780f4d3dc709cd7a190e13a806245fd.1676669766168.1699311996524.1699558728535.70&__hssc=177767418.1.1699558728535&__hsfp=2556139473) & [E-Consent](https://scratchpay.com/legal/eca-providers)

†Average monthly savings on fees for practices that switched to Scratch Checkout in 12 months ending 11/1/2023.

# Patient financing made simple

 Offer Scratch Pay

By getting started, I agree to the [Payment Services Agreement](https://scratchpay.com/legal/paymentservices), [Program Agreement](https://scratchpay.com/legal/agreement), [Program Agreement for Canadian Providers (excluding Quebec)](https://scratchpay.com/legal/pac), [Privacy Policy](https://scratchpay.com/legal/privacy-providers) & [E-Consent](https://scratchpay.com/legal/eca-providers)

![](https://get.scratchpay.com/hubfs/Brand/Scratch-Pay-Assets/2024-Scratch-Pay-2-Plan-chart-web@2x.png) ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/person-chair-desk.png)

 With Scratch Pay’s 60-second signup, say yes to more patients today!

 Offer Scratch Pay

By getting started, I agree to the [Payment Services Agreement](https://scratchpay.com/legal/paymentservices), [Program Agreement](https://scratchpay.com/legal/agreement), [Program Agreement for Canadian Providers (excluding Quebec)](https://scratchpay.com/legal/pac), [Privacy Policy](https://scratchpay.com/legal/privacy-providers) & [E-Consent](https://scratchpay.com/legal/eca-providers)

![](https://get.scratchpay.com/hubfs/Brand/Scratch-Pay-Assets/2024-Scratch-Pay-2-Plan-chart-web@2x.png) ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/person-chair-desk.png)

## How we stack up

|  | ![CareCredit](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/logo-carecredit.png "CareCredit") | ![VetBilling.com](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/logo-vetbilling.png "VetBilling.com") | ![Scratch Heart](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/logo-Scratch-heart.png "Scratch Heart") |
| --- | --- | --- | --- |
| Simple, flat rate pricing | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-cross-sunset.png) | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-cross-sunset.png) | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-tick-mint.png) |
| No hard credit checks for patients | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-cross-sunset.png) | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-tick-mint.png) | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-tick-mint.png) |
| No set-up fee | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-cross-sunset.png) | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-cross-sunset.png) | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-tick-mint.png) |
| Plan management & risk is handled by partner | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-tick-mint.png) | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-cross-sunset.png) | ![](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-circle-tick-mint.png) |
| Vetcove Rating Leading software review site | 3.5 | 4.0 | 5.0 |

**Questions?** [Chat with the Sales team](https://meetings.hubspot.com/neil108/payment-processing-round-robin-new-website-lander?__hstc=200314481.5e0c2d20ff4535639249e9ce6e053386.1676490511020.1714656906602.1714755543313.268&__hssc=200314481.1.1714762777569&__hsfp=3450272365&hsCtaTracking=abe94b01-9b6d-4fcd-a7a6-212a92dee7ff%7C5eeb4dcd-49c5-4ff1-930a-3d8ecdc0e8ee&uuid=e796dc65-4ae0-491a-94b2-3d0a67c33fcd)

![Financing-Approvals-5B70FF](https://get.scratchpay.com/hs-fs/hubfs/getscratch/images/Financing-Approvals-5B70FF.png?width=288&height=288&name=Financing-Approvals-5B70FF.png) Approvals

78%

Of partner practices say Scratch Pay has the highest approval rate

Source: Survey based on a 2020 survey sent to ~9000 partners

![icon-building-purple](https://get.scratchpay.com/hs-fs/hubfs/getscratch/images/icon-building-purple.png?width=288&height=288&name=icon-building-purple.png) Partners

+18k

Number of practices offering Scratch Pay to their patients nationwide

![Financing-Convenience-5B70FF](https://get.scratchpay.com/hs-fs/hubfs/getscratch/images/Financing-Convenience-5B70FF.png?width=288&height=288&name=Financing-Convenience-5B70FF.png) Convenience

78%

Of partner practices say Scratch Pay is the easiest for practice teams to use

[ Offer Scratch Pay ](https://cta-service-cms2.hubspot.com/web-interactives/public/v1/track/redirect?encryptedPayload=AVxigLJta1%2BLbAbhLukBYN1pKGp1VPaB%2FG82EV6KE9MShNUU%2BRoggl05%2Fb1bartASh1%2FYTBkAsRR%2FXyqLUqdD6WIbxygBuo9oewdg7hhQ%2BGJ0RW2kZ6TigqvnDiLrdAycSzD7qN4VTMnDj%2FhBqTapozhYQTs3kU%2BTcTUvjAl3Q1zu5YCJEbG6NX%2BaxEuLQIvM4rDSuk609fs580t9U1Gv2ElEH6AASMWY2GKmST%2Fcc7rdb7PAaPQaOOBGzW062DBUmTNxV0Rcj6J1SQMx94fj8FiKnujKucMPwAFQF6Ba3g1MBaAzt4YfGeLKK3c0Mnqo2WG3ZCRIyFeuuzV9HmEt6loMmsR8BXB4R%2FSKEJ2j%2FUWr6otoulnCazKLaP3Ar8%2Bdnc5DRmpEAind9BRxzCyJAes7q2tl0j1aicndsSN%2FKtacTQov3FeQ3YugoB8XI%2BfCVNCvEzZh11JHxQj9oQdgbgMJqCbsAZts9H88HTwcLOkbe9N1foydXzbq4zH1DOSFEX17frGNA13fdDczXXxVTAiSvJm5MbTaAc0NR6ICJKzMQOnImqZFDv%2BnONqda6JbdFDiWMv5bW3ZKIHGLD4UEVdPM%2BTbBXwYQUoSuWClGLW2w%3D%3D&webInteractiveContentId=182040184128&portalId=6598889&pageId=null)

![Scratch Plan types](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/icon-notes.png "Scratch Plan types")

## Scratch Pay Friendly, simple payment plans.

 Patients can see if they qualify without impacting credit scores.

12-month 12-month offer 24-month

 12-month

 12-month offer

 24-month

**APR**

### Varies by applicant

| **# of payments** 12* | **Frequency** Monthly |
| --- | --- |
| **Down payment** $15 | **Autopay** Optional Eligible for reduced down payment with Autopay enrollment during application process. |

| **Amount range** $200 - $10,000 | **Plan availability** 30 days |
| --- | --- |

**APR**

### Varies by applicant

| **# of payments** 12* | **Frequency** Monthly |
| --- | --- |
| **Down payment** $15 | **Autopay** Enabled Autopay is enabled for Zero Interest Prepayment Offer eligibility |

| **Amount range** $200 - $10,000 | **Plan availability** 30 days |
| --- | --- |
| **Zero Interest Prepayment Offer** 6 months** Eligible customers that opt into the offer during the application process and enroll in autopay will pay 0 interest if they pay off the plan principal in full during the 6-month offer period. |  |

**APR**

### Varies by applicant

| **# of payments** 24* | **Frequency** Monthly |
| --- | --- |
| **Down payment** $15 | **Autopay** Optional Eligible for reduced down payment with Autopay enrollment during application process. |

| **Amount range** $200 - $10,000 | **Plan availability** 30 days |
| --- | --- |

**No prepayment penalty** | **No deferred interest** | **Not a credit card**

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.

 

**Zero Interest Prepayment Offer (“Prepayment Offer”) applies to eligible 12-, 18- or 36-month closed-end loans. **Prepayment Offer Requirements:** (1) timely minimum monthly payments up until the time of redemption; and (2) additional payments to pay off your remaining loan balance, if any, in full on or before the end of the offer period (6-month offer period for 12-month loans, 6-month offer period for the 18-month loans and 12-month offer period for 36- month loans). Failure to comply with either of these preceding conditions will disqualify you from this Prepayment Offer and you will be required to repay your Loan pursuant to the terms of your Loan. **How To Redeem:** To redeem the Prepayment Offer, you may contact 855-727-2395 or support@scratchpay.com to notify the Company of your intention to take advantage of the promotion or use the self-service full payoff feature in the user account which can be found here: https://account.scratchpay.com/login.

**Patient Financing**

## Scratch Pay Provider Network

 See how patients can afford care in these areas of health & wellness.

[![Veterinary](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/provider-network/vet-black.png) ](https://get.scratchpay.com/veterinary?hsLang=en)

[**Veterinary**](https://get.scratchpay.com/veterinary?hsLang=en)

[![Dental](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/provider-network/dental-black.png) ](https://get.scratchpay.com/dental?hsLang=en)

[**Dental**](https://get.scratchpay.com/dental?hsLang=en)

[![Vision and Lasik](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/provider-network/vision-black.png) ](https://get.scratchpay.com/vision?hsLang=en)

[**Vision + Lasik**](https://get.scratchpay.com/vision?hsLang=en)

[![Veterinary](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/provider-network/chiro-black.png) ](https://get.scratchpay.com/chiro?hsLang=en)

[**Chiropractic + Physical Therapy**](https://get.scratchpay.com/chiro?hsLang=en)

[![Dental](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/provider-network/primary-care-black.png) ](https://get.scratchpay.com/primary?hsLang=en)

[**Primary Care**](https://get.scratchpay.com/primary?hsLang=en)

[![Vision and Lasik](https://get.scratchpay.com/hubfs/raw_assets/public/getscratch-com/assets/images/provider-network/dermatology-black.png) ](https://get.scratchpay.com/cosmetic?hsLang=en)

[**Dermatology + Cosmetic Surgery**](https://get.scratchpay.com/cosmetic?hsLang=en)

## In the news

[![Forbes](https://get.scratchpay.com/hubfs/vertical-landings/common/logos/pr/forbes.png)](https://scratchpay.com/press?_ga=2.231144799.1736279525.1700016608-1663571057.1700016608)

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[![TechCrunch](https://get.scratchpay.com/hubfs/vertical-landings/common/logos/pr/techcrunch.png)](https://scratchpay.com/press?_ga=2.231144799.1736279525.1700016608-1663571057.1700016608)

[![Los Angeles Business Journal](https://get.scratchpay.com/hubfs/vertical-landings/common/logos/pr/LABJ.png)](https://scratchpay.com/press?_ga=2.231144799.1736279525.1700016608-1663571057.1700016608)

![PAZ Veterinary Case Study](https://get.scratchpay.com/hubfs/vertical-landings/2021-Q1_Paz-FEB-IG-Linkedin-1080x1080@2x%20(1)-trimmy.png)

 Read the case study

 Paz Veterinary

 Austin, Texas

 Learn how Scratch Pay plans are saving PAZ Veterinary time, money and headaches-and how we can do the same for you!

[![Read Now](https://no-cache.hubspot.com/cta/default/6598889/1ae2547f-be9e-4c87-9269-94589f04f857.png)](https://cta-redirect.hubspot.com/cta/redirect/6598889/1ae2547f-be9e-4c87-9269-94589f04f857)

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