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A few key things that set us apart from other patient financing options are:

  • No impact on your credit score to apply for and accept a Scratch Pay plan.

  • Scratch Pay plans are not a credit card product - they are bi-weekly or monthly payment plan products. Diversifying the types of financial products a patient has can ultimately be beneficial to one's credit score in the long term.

  • We have some of the highest customer satisfaction in the industry! Our Net Promoter Score (common measure of customer satisfaction) for borrowers is in the 95th percentile relative to all Fortune 500 companies!*

  • Digital-first solution - no paperwork, no problems. Your patients can manage their entire payment plan online.

*Findings based on a 2020 survey sent to ~9,000 Scratch Pay partners.


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.