Scratchpay Plans

Get care now. Pay later. Split your medical bills into smaller payments using Scratchpay!

Scratchpay payment plans range from 6 months to 5 years and start as low as 0% APR. No prepayment penalties, hidden charges or deferred interest. Checking your rates & accepting plans will never impact your credit score. Your monthly payment amounts on your loan will depend on your term length, the amount financed and APR. The APR is determined by the applicant's credit. For example, a 12 month $10,000 loan with 5.99% APR would have 12 monthly payments of $860.62 for a total payment of $10,327.42. A 24 month $10,000 loan with 13.99% APR would have 24 monthly payments of $480.08 for a total payment of $11,521.96. The foregoing expected interest and repayment amounts assume you will make all payments in full on the scheduled due dates. Late payments or payments of less than the full amount due may result in higher interest charges and repayment amounts. Loans subject to lender approval.

With Scratchpay, you can easily make payments, get 1-click access to autopay, keep track of all loan statements, update account information, reapply for new plans directly in-app and much more!

Convenient Login.
Current borrowers can easily log into their Scratchpay account.

Make & Monitor Loan Payments From Anywhere.
Log in to securely make loan payments in a couple clicks. Track status of upcoming payments to stay up to date.

Secure, 1-click Autopay Enrolment.
Securely turn autopay on or off with a click of a button to make paying your Scratchpay bills even simpler.

Reapply for New Plans In-app.
Need a new loan? Whether you have an upcoming dental cleaning, prescription refill for your pet, eye appointment or an unexpected emergency, Scratchpay makes reapplying for a new plan more convenient than ever.

Find Practices Offering Scratchpay.
See which medical practices near you offer Scratchpay payment plans. We’re currently offered in veterinary, dental, orthodontic, vision, lasik, chiropractic care, physical therapy, cosmetic surgery, weight loss, primary care, fertility, dermatology, and more!

Easily Update Account Information.
Add a new payment method, update your billing address and other account details directly in our app.

Why Scratchpay?
Payment plans starting as low as 0% APR
No hard credit checks or hidden fees
Higher loan approval rates
Available at 11,000 medical practices!
Easy, 2-minute application with instant approval decision
Checking rates & accepting plans never impacts your credit score

Scratchpay: Simple, convenient, secure. Care now, pay later with Scratchpay!

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What's New

This is the first release of Scratchpay Plans Android App, please send us your feedback at and we'll keep improve the App and your Scratchpay experience.
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Additional Information

August 11, 2021
Current Version
Requires Android
10 and up
Content Rating
Offered By
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