Get care now. Pay later. Split your medical bills into smaller payments using Scratchpay! Getting access to affordable medical financing is more convenient than ever.

Scratchpay payment plans start as low as 0% APR, and have no prepayment penalties, hidden charges or deferred interest. Checking your rates & accepting plans will never impact your credit score.

With Scratchpay, you can easily make payments, get 1-click access to autopay, keep track of all loan statements, update account information, reapply for new plans directly in-app and much more!

Convenient Login.
Current borrowers can easily log into their Scratchpay account.

Make & Monitor Loan Payments From Anywhere.
Log in to securely make loan payments in a couple clicks. Track status of upcoming payments to stay up to date.

Secure, 1-click Autopay Enrollment.
Securely turn autopay on or off with a click of a button to make paying your Scratchpay bills even simpler.

Reapply for New Plans In-app.
Need a new loan? Whether you have an upcoming dental cleaning, prescription refill for your pet, eye appointment or an unexpected emergency, Scratchpay makes reapplying for a new plan more convenient than ever.

Find Practices Offering Scratchpay.
See which medical practices near you offer Scratchpay payment plans. We’re currently offered in veterinary, dental, orthodontic, vision, lasik, chiropractic care, physical therapy, cosmetic surgery, weight loss, primary care, fertility, dermatology, and more!

Easily Update Account Information.
Add a new payment method, update your billing address and other account details directly in our app.

Why Scratchpay?
Payment plans starting as low as 0% APR
No hard credit checks or hidden fees
Higher loan approval rates
Available at 11,000 medical practices!
Easy, 2-minute application with instant approval decision
Checking rates & accepting plans never impacts your credit score

Scratchpay: Simple, convenient, secure. Pay now, care later with Scratchpay!

Learn more at

Ratings and Reviews

4.1 out of 5
9 Ratings

9 Ratings

Sweetheart00122 ,

Very thankful

My dog Chevy was hit by a car. Nothing worse than someone hitting your dog and driving away with no care. I am a single mom so when I had to find someway to pay for a vet bill I was lost. So I’m thankful for Chevy’s vet that toke her in as she has never been anywhere but thanks to scratchpay it was easy to ask for the loan. Within minutes after applying they sent the funds right over to her vet. So I would rate 5 stars in after applying the loan went straight to the vet and no headache on how to get the loan payment and then pay the vet. So toke some stress away. I’m not sure on how much of a con it is more of a suggestion need more advertising to some degree I understand it’s money to advertise and yes im thankful for the loan. But, my dog suffered for over a hr. Before I could take her to a vet because I couldn’t find a vet that would take a payment plan. And no vet told me about scratchpay till I finally talked to my neighbor and she told me her vet might work with me on a payment plan and after I got there Chevy’s vet told me about scratchpay. Not everyone knows about the company nor do vets even really talk about it. Chevy has recovered , but if I would of known about scratchpay sooner I would applied sooner and would of been able to take her to a vet sooner. But besides that reasonable monthly payment, on a 12 month loan.

Gumby2k ,

Very Helpful in a time of need!

Our little dog had an emergency event with his paw and we didn’t have the money right then. Scratchpay came to the rescue. Very easy to fill out. Downloaded the app and filled out the information in less than 5 minutes. Got the approval and the vet got there email instantly. First payment wasn’t needed for 30 days. What a great service for a medical emergency. Thanks again A++++ 😎



Denied but no explanation was given. I get an email that’s supposed to give you a denial reason but just an email with contact info. What a waste.

Developer Response ,

Thank you for reaching out, and we definitely see how this can be frustrating. Please contact our 24/7 support team at 855-727-2395 or if it's more convenient by email at and our team can help provide the information you're looking for.

App Privacy

The developer, Scratch Financial, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Financial Info
  • Contact Info
  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

You Might Also Like