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Scratch Pay Plan Treatment Coverage

Scratch Pay plans may be used to cover any product, service, or treatment costs at a partnered practice. While there's no set limit on how many medical bills you can cover with Scratch's payment plans, it's essential to remember that Scratch Pay plans aren't revolving lines of credit. Borrowers are approved for a specific amount to be used within a set timeframe at a Scratch Pay partnered practice.

If necessary, you can apply for an additional Scratch Pay plan to support any extra treatment expenses. The process of finding a payment plan requires a short application at, providing you with an instant plan decision in most cases.

Use our Practice Search here to see if your medical care provider of choice accepts Scratch Pay plans.


Scratch Pay plans in the US are issued by WebBank, while in Canada, they are issued by ©Scratch Financial, Inc. ©Scratchpay (NMLS ID#: 1582666). Eligibility is required for these loan products, and Scratch Pay plans may not be available in all states.