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

Yes, Scratchpay pays the practice immediately for the full amount of your payment plan. You then make payments to Scratchpay according to the amount and type of payment plan you selected. If you have a Take a Year or Take Two Years plan, you pay Scratchpay in monthly installments over a period of 12 or 24 months with interest based on the rate you qualify for. Scratchpay’s Take 5 payment plans are interest-free, so you’ll only be responsible for the total cost of treatment. This amount is split up into 5 payments due every 2 weeks.