1. FAQs
  2. General
  3. Referring Clients & Practices to Scratch Plan

How do my patients or clients apply for Scratch Pay financing?

Your patients or clients simply text PLAN to 97364 or visit scratchpay.com on a computer, tablet, or phone, enter their phone number, and click “Find A Payment Plan” to begin our 90 second application process. Upon completing the application, they receive an instant approval decision and can then hit “Agree and Submit” if they wish to use the plan.


Scratch Plans originated in the United States are issued by WebBank. Scratch Plans originated in Canada are issued by ©Scratch Financial, Inc. ©Scratchpay (NMLS ID#: 1582666). Scratch Plans are loan products subject to eligibility.