---
title: "Scratch Plans - Reviews, Revenue and Downloads in United States | Apple App Store"
description: "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"
---

# Scratch Plans — United States
> Care now, pay later

![Scratch Plans App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/4b/be/20/4bbe20d1-04cc-3862-53dd-f13b6b269921/AppIcon-0-0-1x_U007emarketing-0-11-0-0-0-85-220.png/434x0w.png)

**Developer:** [Scratch Financial](https://apptail.io/developer/scratch-financial-pSzf)
**Category:** Finance
**Rating:** 2.9/5 (50 ratings)
**Price:** Free
**Bundle ID:** com.scratchpay.borrower
**Store:** Apple App Store
**Country:** United States
**Version:** 2.11.0 (released 2026-04-24)
**Original Release:** 2021-04-15
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id1492643953)
**AppTail Page:** [https://apptail.io/app/scratch-plans-eoFd/united-states](https://apptail.io/app/scratch-plans-eoFd/united-states)

## Scratch Plans Description
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. Care now, pay later with Scratchpay!

Learn more at www.scratchpay.com

## Scratch Plans Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/Purple116/v4/17/f3/66/17f36658-6c8e-aaca-5440-410d5c5260a2/5b7b6e7c-2fc9-49d0-a200-59869dfc0976_iPhone_6.png/1284x2778.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/Purple126/v4/4f/b7/85/4fb78586-d91f-7009-50c1-782e9296c562/1533cb2c-51e8-4bbc-8f69-866767f05771_iPhone_6-1.png/1284x2778.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/Purple116/v4/88/ac/69/88ac690e-34ea-b393-ba1b-236a207a6f54/99b5a3a9-c703-4b86-b103-8e438715a4f4_iPhone_6-2.png/1284x2778.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/Purple116/v4/da/23/d4/da23d416-3853-56da-7ce4-c0fbc5b270bd/d11c382f-484c-4d4a-b003-96890d589eca_iPhone_6-3.png/1284x2778.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/Purple116/v4/9e/5c/18/9e5c18f0-0e86-1f76-c5d1-908a0f1e1f9d/06beef53-99b6-4973-bedd-e1ae1cc5bfed_iPhone_6-4.png/1284x2778.png)

## Scratch Plans Rating Breakdown in United States
- 5 stars: 21 (42%)
- 4 stars: 1 (2%)
- 3 stars: 2 (4%)
- 2 stars: 4 (8%)
- 1 stars: 22 (44%)

## Scratch Plans Reviews in United States

### *---- "Service great, web/app UX awful"
The service is great and has allowed us to afford emergency services that were too expensive HOWEVER: the app and corresponding website are awful. While simple enough, certain features don’t work correctly. I added new payment info but it added it two extra times as “different “ forms of payment, and despite having added them, I’m unable to remove an old expiring payment form (completely with message saying i need an alt form of payment). Additionally, while I believe I’m being charged an extra amount unnecessarily for an old completed loan, when I attempt to pay the balance (something like $16 carried over?) the pay button does nothing. What are users supposed to do?
-- Clem against Censorship, 2025-10-05

### *---- "A waste of time!"
Not able to use regardless of paying off previous loan early!
-- solomarron, 2025-07-22

### *---- "Can’t get approved"
They wouldn’t approve me and also wouldn’t give me a reason why. I have a full time job and I make regular payments on other credit cards, but that wasn’t good enough for these people. Probably just as well, I’ve heard they lock you in and it’s almost impossible to get out of debt with them.
-- goblingoon14, 2025-06-27

### ***** "Scratch Pay Helped w/Sick Dog"
The vet accepted this plan and allowed me to choose a six month option where I could pay it off early and be charged no interest. I can just tell you I’m grateful to have had the loan preapproved for a certain amount of money that I knew I could go up to, which I did not need all of. My vet was very conscientious and fair and did not overcharge me, just because I had the approval amount. I’m grateful to have had this option and so far it’s going well. I don’t anticipate any problems paying this off on time (early for no interest) and would use it again at this point, if needed and as long as it were an option. I’ll update my review if any kinks, but so far it helped me to make sure that my dog, who was very sick, got the care that he needed, and even in an end of life situation, we were able to do everything we could to try to save him and have a peaceful passing in the end (16 great years with our beloved dog) with our trusted vet when that was the only responsible option left.
-- Ramonablu, 2024-10-26

### ***-- "Plaid issue"
I was told to delete and reinstall current version to fix the plaid link issue and it still isn’t working. I can’t link another account via the app and plaid.
-- lundyluu9112, 2024-09-15

### ***** "Very helpful"
My golden had to get Bladder stones removed and we were able to use this app and pay for it! No interest for the first 6 months if you pay it in full which thankfully with a lot of hard work we are almost done paying, but if you pass the 6 months the interest is high 😞. But thank for having this app and being able to use it.
-- it works l really good but, 2024-09-02

### *---- "Poor systems and mediocre service"
App and web page don’t work.  I have been on the phone for half an hour with customer service and they keep apologizing it it doesn’t matter.  I just want to pay a bill and they can’t do it online or over the phone.
-- Bob Lusk, 2024-08-12

### *---- "Misleading and predatory"
They say they have APR as low as 0%, but I was approved for a 12 months plan at a crazy 16% rate to then see once I accepted the plan that it was actually a 29% rate!! This is predatory and misleading. I have an excellent credit with a decent salary and should never have been charged this much NOR misled this way. I just wrote to the company and asked what the discrepancy was all about and I am now waiting to hear back.
-- gioro86, 2024-01-05

### ***** "Reasonable"
My dog needed emergency surgery and no bank would lend me money but scratch did thankfully, if he didn’t have the surgery he would’ve passed so I’d give this a 10/5 if I could
-- Chris_Pubes, 2023-10-14

### ***-- "Horrific"
Extremely predatory instant loans that work in tandem with awful practices at vet hospitals that require you to pay everything immediately or let your animal suffer. If you can avoid it absolutely avoid it. These people are like the cesspool of humanity.
-- Phillipe23104, 2023-10-06

[View all Scratch Plans reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)



## Scratch Plans Discovered Keywords
- scratchpay plans

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## Scratch Plans Available In
- [United States](https://apptail.io/app/scratch-plans-eoFd/united-states)
- [Canada](https://apptail.io/app/scratch-plans-eoFd/canada)

---

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