Scratch Pay

Award-winning patient financing

The pricing below is for Scratch Pay, our payment plan service. Scratch Pay is always pay-as-you-go (AKA no hidden start up fees or other fees), and each plan has the same flat fee. Our flat fee gives you full coverage to client defaults, and we pay you net of the fee up-front immediately after the plans are finalized (so you're not on the hook for clients defaulting on their plans)!

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.

*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. Plan 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. Autopay enrollment is enabled.

**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 down payment is required, $250 or 10% of loan whichever is less. Autopay enrollment is optional for 12-month, 24-month, and 36-month plans and is eligible for a reduced down payment when enrolled during the application process. Refunds are given for unused plans.

***Zero Interest Prepayment Offer requires (1) minimum monthly payments up until the time of redemption; and (2) you must inform us of your intent to redeem the offer and pay off your remaining loan balance, if any, by calling 855-727-2395 or emailing support@scratchpay.com before the six month offer period expires. Failure to comply with either of these preceding conditions will disqualify you from this offer and you will be required to repay your Loan pursuant to the terms of your Loan.

Scratch Pay plans in the US are issued by WebBank, while in Canada, they are issued by ©Scratch Financial, Inc. ©Scratchpay (NMLS ID#: 1582666). Eligibility is required for these loan products.