Getting Started
You can apply for a Scratch Pay plan from any internet-connected device at scratchpay.com, where you will receive an instant plan decision in most cases. At Scratch, when you apply and accept a Scratch Pay plan, your credit score will not be impacted. Scratch Pay plan applications do require a soft credit check.
Although you can apply for a Scratch Pay plan prior to being seen for a medical appointment, we do recommend consulting your care provider beforehand for an estimated treatment cost.
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Scratch Pay plans in the U.S. 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.
For a smooth application process, read on below: