Simple is what we do
With Scratch Pay’s 60-second signup, say yes to more patients, today!
Award-winning Scratch Pay makes patient financing simple & low-risk
See why 12,000+ practices offer Scratch Pay to their patients.
78%
Get higher
approvals
4 out of 5 practices report that Scratch approves more applicants than any other provider.*
A+
Partner
Satisfaction
Scratch's NPS score (a common customer satisfaction rating) consistently ranks higher than most Fortune 500 companies.
78%
Easiest for
team to use
4 out of 5 practices report that Scratch is easier to use than any other patient financing solution.*
M+
Reach millions of
patients
Make your practice visible to millions of patients who search our partner directory.
60s
60 second
signup
Get your practice set up to offer Scratch Pay in just 1 minute!
*Findings based on a 2020 survey sent to ~9,000 Scratch Pay partners.
In the News
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Read the case study
Paz Veterinary
Austin, Texas
Learn how Scratch Pay is saving PAZ Veterinary time, money and headaches-and how we can do the same for you!
See how easy Scratch Pay is for yourself and your patients
Register for a 15 minute webinar
Simple.
Inclusive.
Friendly.
- No long term commitments
- No membership fees
- No sign up costs
- No hardware or software required
The world's simplest patient financing solution
Easier financing from Scratch.
Patient applies.
Patient signs for plan.
Your practice is notified.
Funds sent directly to you.
Once a patient is approved, funds are direct deposited to your bank within 2-3 business days, minus a flat provider fee.
Yep, it's that easy.
Ready to say yes to more patients?
Becoming a partner takes 60 seconds
Simple, friendly
payment plans
Patient can check to see which options they qualify for without affecting their credit score.
Bi-weekly
5 equal payments*|0% apr
Patient pays 20% down payment at the appointment. Remaining 4 payments are paid every two weeks. Autopay is enabled.
12 Months
12 equal payments**|monthly
APR varies by patient
Patients can sign up for a 12 month plan.
24 Months
24 equal payments**|monthly
APR varies by patient
Patients need more time? For larger bills, we offer a 24 month plan
No deferred interest
No prepayment penalty
No hidden cost*
No deferred interest
No prepayment penalty
No hidden cost*
Late fees apply.
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 required.
**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 $15 down payment is required. 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.
Veterinary
Dental
Primary Care
Join the 12,000+ practices that offer Scratch Pay
Easy, turnkey setup. Getting started is low-risk. Say yes to more patients & boost revenue
Scratch Pay partners say it best
Impressing Scratch Pay partner practices and the patients they serve with outstanding service is a top priority.
A+
Scratch's NPS score (a common customer satisfaction rating) consistently ranks higher than most Fortune 500 companies.
Based on trailing 12 month Net Promoter Score of existing borrowers.
“Thanks for being
awesome. I truly think you
guys are very helpful to our
clients.”
Deborah Bascombe, LVT
“Scratch Pay's support team is outstanding and they respond quickly. We’re very happy with this program.”
Employee at Healing Paws Veterinary Hospital
“We love
Scratch Pay!
It's easy on clients
and my staff!”
Georgia, Practice Owner
“Scratch Pay is a great
option for patients.
Quick approvals and great
payment options.”
Practice Owner
“Scratch Pay allows our managers to have difficult financial conversations with our clients with confidence.”
Chelsie, Practice Manager
“Our clients love how they can do everything from their phones and our staff loves how self explanatory Scratch Pay is!”
Practice Owner
Just some of our happy partners
Introducing
Payment Processing
Introducing Scratch Checkout, a feature rich platform designed to help covid-proof your practice.
Partner Survey Report
See how Scratch Pay stacks up against our largest industry competitor in this latest partner survey
See how easy Scratch Pay is for yourself and your patients
Register for one of our 15 minute webinars to learn all about Scratch Pay
