# Scratch Plans — Care now, pay later > Flexible payment plans for medical and veterinary expenses with low APR. (iPhone/iPad app by Scratch Financial, Inc.) - Source: https://appshunter.io/ios/app/scratch-plans/id1492643953 (this page in markdown: same URL + `.md`) - Developer: [Scratch Financial, Inc](https://appshunter.io/developer/1408133639) - Category: Finance, Medical - Price: Free - Rating: 2.90/5 from 50 App Store ratings · 29 written reviews indexed - Age rating: 12+ - Requires: iOS 15.0 · 28 MB - Languages: English - Released: 2021-04-15 - Data updated: 2026-07-17 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/scratch-plans/id1492643953/reviews.md ## What is Scratch Plans? 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 ## Key features - Low APR payment plans - No prepayment penalties or hidden charges - Credit score unaffected by rate checks - 1-click autopay enrollment - In-app loan management - Reapply for new plans - Find participating practices ## Recent user reviews (10 of 29) All indexed reviews: https://appshunter.io/ios/app/scratch-plans/id1492643953/reviews.md ### 1/5 — Service great, web/app UX awful *2025-10-05, version 2.9.0* 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? ### 1/5 — A waste of time! *2025-07-22, version 2.9.0* Not able to use regardless of paying off previous loan early! ### 1/5 — Can’t get approved *2025-06-27, version 2.8.1* 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. ### 5/5 — Will use again *2025-04-24* I never used a Scratchpay loan before. Decided to try it for my cat’s dental surgery - it was so easy and allowed me to spread my payments over 6 months. I used auto pay to make sure I made my payments on time. Since I paid it off within the six months, i didn’t pay any interest!! Gotta love that ### 5/5 — Scratch Pay Helped w/Sick Dog *2024-10-26, version 2.5.6* 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. ### 3/5 — Plaid issue *2024-09-15, version 2.5.6* 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. ### 5/5 — Very helpful *2024-09-02, version 2.5.6* 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. ### 1/5 — Poor systems and mediocre service *2024-08-12, version 2.5.6* 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. ### 3/5 — ScratchPay App *2024-02-01* Was having no problems with the app until yesterday. It would not notify me that a text was sent. Did three things that did not help at all. Delete and reinstall app. Hard reboot of phone. Complete factory reboot. ### 1/5 — Misleading and predatory *2024-01-05, version 1.0* 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. ## Frequently asked questions about Scratch Plans ### What is Scratch Plans? Scratch Plans offers flexible payment plans for various medical expenses, including veterinary, dental, and vision care. These plans can start as low as 0% APR and come with no prepayment penalties or hidden charges. The app allows users to manage their loans, set up autopay, and find participating healthcare providers. ### How does checking my rates affect my credit score? Checking your rates and accepting payment plans through Scratch Plans will never impact your credit score. The application process involves a soft credit check, which is designed to be transparent and not negatively affect your credit history. ### What types of medical services can I use Scratch Plans for? Scratch Plans are available for a wide range of services, including veterinary care, dental procedures, orthodontic treatments, vision appointments, lasik surgery, chiropractic care, physical therapy, cosmetic surgery, weight loss programs, primary care, fertility treatments, and dermatology services. ### Is there a cost to use the Scratch Plans app? The Scratch Plans app itself is free to download and use. The cost associated with using Scratch Plans comes from the interest rates on the payment plans themselves, which can start as low as 0% APR. There are no hidden fees or deferred interest charges. ### How do I manage my loan payments? The app provides convenient tools for managing your loan payments. You can easily make payments, track upcoming payment statuses, and set up secure 1-click autopay to ensure your bills are paid on time. You can also update your account information and payment methods directly within the app. ## Version history (last 5 releases) ### 3.2.0 — 2026-07-09 - Tapping "Write a Review" will no longer cause an unexpected error. (We’d love to hear your feedback now!) - Improved SMS re-send reliability and clarified error messages for OTP sign-in issues - Resolved issue where keyboard obstructed the support chat - Under-the-hood enhancements to our error-monitoring systems ### 3.1.0 — 2026-06-24 Upgraded the underlying mobile framework to improve app performance, reliability, and enhance support for future features. Additionally, external links now open in a full in-app browser with navigation controls, without leaving the app. Clearer, more helpful sign-in error messages are added, including how to contact support if you get stuck. ### 2.11.0 — 2026-04-24 Upgraded Wellness Plan functionality. Optimized credit card entry. General stability improvements and bug fixes. ### 2.9.0 — 2025-07-10 Adds AI chat capability and minor bug fixes. ### 2.8.1 — 2025-02-05 Adds chat capability for self-service help Fixes bugs and adds minor enhancements ## Apps similar to Scratch Plans | App | Rating | Price | Category | | --- | --- | --- | --- | | [MG손해보험](https://appshunter.io/ios/app/mg/id1133981700) | — | Free | Finance | | [PRÉMIUM Egészségpénztár](https://appshunter.io/ios/app/premium-egeszsegpenztar/id6444521520) | — | Free | Finance | | [ENPAM Iscritti](https://appshunter.io/ios/app/enpam-iscritti/id1419519840) | — | Free | Finance | | [ASPCA Pet Health Insurance](https://appshunter.io/ios/app/aspca-pet-health-insurance/id1264707508) | 2.1 (24) | Free | Finance | | [CareCredit Mobile](https://appshunter.io/ios/app/carecredit-mobile/id1031312446) | 4.8 (60,769) | Free | Finance | | [PCMI HSA/FSA/HRA Savings Acct.](https://appshunter.io/ios/app/pcmi-hsafsahra-savings-acct/id1447258420) | 1.0 (1) | Free | Finance | ## Related topics [scratchpay](https://appshunter.io/ios/topics/scratchpay) · [scratchpay plans](https://appshunter.io/ios/topics/scratchpay-plans) · [cherry payment plans](https://appshunter.io/ios/topics/cherry-payment-plans) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-17.*