Scratch Plans

Name: Scratch Plans
Rating: 2.9 (50 reviews)
Author: Scratch Financial

By: Scratch Financial

Care now, pay later

Features & Capabilities

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

User Growth & Download Statistics

App

By:

Scratch Financial

Rating:

2.90

(50)

Version:

3.1.0 Last updated: 2026-06-24

Version code:

887150695

Creation date:

2021-04-15

Compatible devices:

Size:

39.09MB

URLs:

Website ,Privacy policy

Full description:

Source:

Apple Apps Store

Data ingested on:

2026-06-30

Compare stats and ranking:

Ranking

# 236,414 ▼ 170

For Developers

Monetize with App Pass Boost with Extension Booster

Contact the developer

Chrome-Stats does not own this Apple app. Please use these information below to contact the Apple app developer.

Developed by:

Scratch Financial

Apple Apps Store

https://apps.apple.com/us/app/scratch-plans/id1492643953

Website:

https://scratchpay.com

User Reviews

Scratch Plans can help disable vets’ financial barriers with fast approval, easy setup, and 0% promo offers. It’s widely accepted by many clinics and can speed care in emergencies. However, reviewers repeatedly cite app/website failures, opaque APR terms and perceived predatory pricing, denials without clear reasons, extra per‑payment fees, and inconsistent customer service, all of which erode trust and create friction for users.

Pros

Enables access to emergency vet care by providing payment plans when upfront payment isn’t possible.
Fast approval and funds transfer to the vet (often within minutes).
0% interest promotions for a set period (e.g., six months) if paid in full.
Broad network of participating vets and acceptance by clinics.
Easy and quick setup of a payment plan upon account creation.

Cons

Frequent technical problems with the app/website (pay button failures, plaid/link issues, duplicate payment entries).
Lack of transparency or misrepresented APR terms, with reports of high interest after promo periods (perceived predatory pricing).
Denied applications or unclear approval reasons, often described as automated or opaque.
Hidden or extra fees per payment and issues with removing old payment methods (friction and surprise costs).
Inconsistent customer service with generic form replies and slow/misaligned support.

Recent reviews

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?

by Cl*****, 2025-10-05

Not able to use regardless of paying off previous loan early!

by so*****, 2025-07-22

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.