Award-winning Scratch Plans make patient financing simple & low-risk
See why 12,000+ practices offer Scratch Plans to their patients.
Simple.
Inclusive.
Friendly.
- No long term commitments
- No membership fees
- No sign up costs
- No hardware or software required
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.
Simple, friendly
payment plans
Patient can check to see which options they qualify for without affecting their credit score.
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.
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.
“Thanks for being
awesome. I truly think you
guys are very helpful to our
clients.”
Deborah Bascombe, LVT
“Scratchpay’s support team is outstanding and they respond quickly. We’re very happy with this program.”
Employee at Healing Paws Veterinary Hospital
“We love
Scratchpay!
It's easy on clients
and my staff!”
Georgia, Practice Owner
“Scratchpay is a great
option for patients.
Quick approvals and great
payment options.”
Practice Owner
“Scratchpay allows our managers to have difficult financial conversations with our clients with confidence.”
Chelsie, Practice Manager
“Our clients love how they can do everything from their phones and our staff loves how self explanatory Scratchpay is!”
Practice Owner
Just some of our happy partners


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