What if I accept a payment plan but end up needing less than or more than the amount I applied for?

It's fine if your final invoice is less than or more than the amount you originally applied for!

For Take a Year or Take Two Years loans:

If your total invoice is less than the amount you applied for, your clinic will finalize the loan for the actual amount of your invoice at the end of your visit, and you will then only owe that final amount. 

If your total invoice is more than the amount you applied for, check the confirmation email you received after you accepted your Scratchpay payment plan. In it, we will tell you if we are able to approve additional funding. If we can, simply reapply for the additional amount you need. 

For Take 5 payment plans:

If your total invoice is less than the amount you applied for, your clinic will finalize the loan for the actual amount of your invoice at the end of your visit, and you will then only owe that final amount. The amount of your down payment will not change, but the next four payments will be adjusted to each be 1/4 of the outstanding payment amount. For example, if your original payment plan was for $100 and you made a down payment of $20, then the final amount of your bill is only $60, each of your four remaining payments will be for $10 ($60 total minus $20 down payment equals $40 outstanding. $40 divided by 4 equals $10).

If your total invoice is more than the amount you applied for, you can:

• use the full amount of your existing Take 5 payment plan and pay the remainder of the invoice via another method

or

• reapply for the full amount of the invoice. Note that we cannot guarantee that all applications will be approved, even if that same applicant was already approved for a lower amount.