Scratch Plans

Scratchpay

About this app

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!

Learn more at www.scratchpay.com

Ratings and reviews

I'm not sure how someone can decide "Yep, this app is acceptable for people to use". It's like an elementary school student threw this together in a week for extra credit, and their full blown website is the exact same thing. Just as bad. Most frustrating thing is it sets the autopay at the incorrect amount to meet your promotional time frame, and doesn't allow you to change it. That means you have to make separate payments every month anyways. Your dev/product teams are a joke.

The app doesn't work, don't bother calling customer support if you can't log in through the app. Log in through your browser, don't attempt to use the app, that's what they told me when I called after going through an Olympic feat to log into the app. :/ Scratch pay service itself is wonderful and has helped me for awhile now, I'm super thankful for them! My only issue is whoever built or runs the app for phones isn't fixing the app to work properly.

Incredibly easy to apply and little shocked i got approved lol, but so thankful I did. Set up auto pay, there an issue and it didn't go through but Joseph was very helpful and got everything set up correctly in a very timely manner. Update: original post was in June, we are now in November and I am still dealing with an obsessive amount of emails and texts "reminding" me to make a payment yet "they" still have not fixed whatever issue is causing the autopay to not go through. Every dam month!!!

What’s new

Adds AI chat capability and minor bug fixes.