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When to Apply for a Scratch Plan

The simple answer is anytime! You can apply for a Scratch Plan using any internet-connected device, whether you're at home, in your car, or even in the exam room. Some clients choose to apply before their healthcare appointment for added privacy and to explore their financial options before visiting the practice.

We do suggest applying for the higher end of your practice's estimate or treatment plan. If your bill ends up being less, we'll adjust your plan accordingly. If you require more funds, you can easily apply for another Scratch Plan.

Our Scratch Plan Bi-Weekly is valid for use at the practice for up to 13 days after application and acceptance. Scratch Plan 12 or 24 Month, and Waived Interest plans are valid for up to 30 days.


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.