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Understanding the Differences Between Scratch Plan Bi-Weekly & Other Scratch Plans

The Scratch Plan Bi-Weekly is our 0% APR payment plan, which breaks medical treatment costs down into 5 equal payments, with no deferred interest or hidden costs.  

There are a few differences between our Scratch Plan Bi-Weekly and other Scratch Plan options, which include:

  • Borrowers will have 13 days to use the approved funds.

  • A 20% down payment is due when the Scratch Plan Bi-Weekly is accepted.  Borrowers will be prompted to enter a valid credit or debit card number for the down payment, enabling autopay for the remaining four payments.  

  • Payments for this plan type are made on a bi-weekly payment schedule.


Scratch Plans originated in the United States are issued by WebBank. Scratch Plans originated in Canada are issued by ©Scratch Financial, Inc. ©Scratchpay (NMLS ID#: 1582666). Scratch Plans are loan products subject to eligibility.