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Scratch Plans

Scratch Financial, Inc. provides access to simple, friendly payment plans for medical financing. Our plans offer financing up to $10,000 and as low as 0% APR.

  • No prepayment penalties

  • No deferred interest

  • No hard credit checks

Getting Started

To get started, complete your application through After completing your application, you will receive an instant plan decision (in most cases) showing what plans are available to you, tailored to the amount you requested and your credit profile. Please note that not all applicants will see the full range of Scratch Plans, only the ones for which you are individually approved.

Read on below to view more information on each of our plan types.