Does Scratchpay pay the practice immediately, and then I pay Scratchpay in installments from there?

Yep! Scratchpay pays the practice after you finish your application and approve your plan. Depending on the payment plan you have selected, you either pay Scratchpay in 90 days with no interest, or in monthly installments over a period of 12 or 24 months with interest based on the rate you qualify for.