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Get started with a Scratch Plan
Scratch Plans make patient financing simple, friendly, and transparent.
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Get care now, and pay later. Finding a plan does not affect your credit score.
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Scratch Plan Types
Apply for a Scratch Plan
How do I apply for a Scratch Plan?
What payment plan options does Scratchpay offer?
When should I apply for a Scratch Plan: when I'm at the practice, or before?
Can I apply for a Scratch Plan more than once in a day?
Why wasn't I approved for a Scratch Plan?
What if I accept a payment plan but end up not needing it at all?
What if I accept a payment plan but end up needing less than or more than the amount I applied for?
What amount should I apply for?
Does applying for or accepting a Scratch plan affect my credit score in any way?
The interest rates on the website are a range. When will I get an exact number?
Is there a prepayment penalty on my Scratch Plan?
How do I know if I'm qualified for a Scratch Plan?