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Scratch Financial, Inc. provides an innovative technology platform where customers can get access to simple, friendly payment plans for medical financing.* The plan options offer financing up to $10,000 and as low as 0% APR.

  • No prepayment penalties

  • No deferred interest

  • No hard credit checks


*Scratch Pay plans in the U.S. are issued by WebBank, while in Canada, they are issued by ©Scratch Financial, Inc. ©Scratchpay (NMLS ID#: 1582666). Eligibility is required for these loan products, and Scratch Pay plans may not be available in all states.

How to Apply

To get started, prospective borrowers will complete an application through or via your practice's direct Scratch Pay link.

In most cases, applicants will receive an instant plan decision that is tailored to their unique credit profile. This means that not every applicant will see the full range of Scratch Pay plans, only the ones for which they are individually approved. Applicants who are not approved for a Scratch Pay plan will be emailed with more information about our decision.

Click below for information about each of our plan types.