Scratchpay Mark

Simple is what we do

Boost revenue up to 20% by serving more patients

Offer Scratchpay

Our award-winning platform makes patient financing easy & risk-free

See why 8,000+ practices love Scratchpay.


Get higher

4 of 5 practices report higher approvals (According to a 2020 partner survey)



Our satisfaction rating is higher than 95% of Fortune 500 companies


Your practice gets
paid faster

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


Increase your
practice's revenue

½ of patients decline care when no financing is provided. Boost revenue by serving more patients.


Reach millions of

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


60 second

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


  • No long term commitments
  • No monthly fees
  • No sign up costs
  • No hardware or software required

The world's simplest patient financing solution

We built easier financing from scratch.

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

Once a patient is approved, we direct deposit funds 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.

Take 5

5 payments | bi-weekly
0% apr

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

Take a year

12 payments | monthly
APR varies by patient

Patients can sign up for a 12 month plan.

Take 2 years

24 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*

Patients can use a bank account, debit card, or credit card to make plan payments

*Late fees apply

Scratchpay Mark

Our Wellness Network

Scratchpay is helping patients afford care in these areas of health & wellness.

Click and explore.

Join the 8,000+ practices that offer Scratchpay

Easy, turnkey setup. Getting started is risk-free. 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.


Scratchpay's customer satisfaction is 95% higher than all Fortune 500 companies.

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

See how easy Scratchpay is for yourself and your patients

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

Register for Webinar