Scratchpay Mark

Simple is what we do

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


Offer Scratchpay Register for a Demo

Award-winning Scratch Plans make patient financing simple & low-risk

See why 12,000+ practices offer Scratch Plans to their patients.
 

78%

Get higher
approvals

4 out of 5 practices report that Scratch approves more applicants than any other provider.*

A+

Partner
Satisfaction

Our NPS score (a common customer satisfaction rating) consistently ranks higher than most Fortune 500 companies.

2-3

Your practice gets
paid faster

Scratch direct deposits funds to your bank in 2-3 business days.

78%

Easiest for
team to use

4 out of 5 practices report that Scratch is easier to use than any other patient financing solution.*

M+

Reach millions of
patients

Make your practice visible to millions of patients who search our partner directory.

60s

60 second
signup

Get your practice set up to offer Scratch Plans in just 1 minute!

*Findings based on a 2020 survey sent to ~9,000 Scratchpay partners.

In the News

Forbes MarketWatch TechCrunch Los Angeles Business Journal


PAZ Veterinary Case Study
Read the case study

Paz Veterinary

Austin, Texas

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

Read Now

See how easy Scratch Plans are for yourself and your patients

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Speak with our Team

Simple.
Inclusive.
Friendly.

  • No long term commitments
  • No membership fees
  • No sign up costs
  • No hardware or software required
How it works

The world's simplest patient financing solution

Easier financing from Scratch.

Patient applies.
Patient signs for plan.
Your practice is notified.
Funds sent directly to you.

Once a patient is approved, funds are direct deposited to your bank within 2-3 business days, minus our flat provider fee.

Yep, it's that easy.


Ready to say yes to more patients?

Becoming a partner takes 60 seconds

Get Started

Simple, friendly
payment plans

Patient can check to see which options they qualify for without affecting their credit score.

Scratch Plan
Bi-weekly

5 equal payments | 0% apr

Patient pays down payment at the appointment. Remaining 4 payments are paid every two weeks.

Scratch Plan
12 Months

12 equal payments | monthly
APR varies by patient

Patients can sign up for a 12 month plan.


Scratch Plan
24 Months

24 equal payments | monthly
APR varies by patient

Patients need more time? For larger bills, we offer a 24 month plan



No deferred interest

No prepayment penalty

No hidden cost*

No deferred interest
No prepayment penalty
No hidden cost*



*Late fees apply

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.

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.

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.

12 and 24 month plans require a $15 down payment due immediately.

Scratchpay Mark

Provider Network

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

Join the 12,000+ practices that offer Scratch Plans

Easy, turnkey setup. Getting started is low-risk. Say yes to more patients & boost revenue

Join in

Our partners say it best

We love wowing our partner practices and the patients they serve.

A+

Our NPS score (a common customer satisfaction rating) consistently ranks higher than most Fortune 500 companies.

Based on trailing 12 month Net Promoter Score of existing borrowers.

Just some of our happy partners

AmerisourceBergen Western Dental & Orthodontics Pathway Vet Alliance
Introducing

Payment Processing

Introducing Scratch Pay, a feature rich platform designed to help covid-proof your practice.



Learn more

Partner Survey Report

See how Scratch Plans stack up against our largest industry competitor in our latest partner survey


Download Report

See how easy Scratch Plans are for yourself and your patients

Register for one of our 15 minute webinars to learn all about Scratch Plans

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