Scratch Plan

Award-winning patient financing

The pricing below is for Scratch Plan, our payment plan service. Scratch Plan 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)!

12 and 24 month Scratch Plans require a $15.00 down payment to obtain financing, which will be refunded if you do not use your plan.

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. 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.

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

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.