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  3. Apply for a payment plan

Apply for a payment plan

Get care now, and pay later. Finding a plan does not affect your credit score.

  • What if I accept a payment plan but end up not needing it at all?
  • What if I accept a payment plan but end up needing less than or more than the amount I applied for?
  • When should I apply for a Scratch Plan? When I'm at the practice, or before?
  • What amount should I apply for?
  • What payment plan options does Scratchpay offer?
  • How do I apply for a Scratchpay plan?
  • Why wasn't I approved for a Scratchpay plan?
  • Is there a prepayment penalty on my Scratchpay plan?
  • Can I apply for a Scratch plan more than once in a day?
  • How do I know if I'm qualified for a Scratchpay plan?
  • Does applying for or accepting a Scratchpay payment plan affect my credit score in any way?
  • The interest rates on the website are a range. When will I get an exact number?





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  • Find a Plan
  • Find a Practice
  • Scratch Perks

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.

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