Scratch Card App
simplest patient
financing solution
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Finding your plan won’t affect your credit score.
Apply for Take 5 and other plans today!
Now offering Take 5!
Take 5 lets you break up your bill into 5 easy payments. Your first payment will be today, and the other 4 payments will be due every 2 weeks after that.
- No interest.
- No hard credit check.
- No worries, period.
Create A Digital Scratch Off
Why Scratchpay
Scratchpay provides you with simple, friendly payment plans.
Scratch Card App Download
Low Risk
Scratchpay isn't a credit card. Checking & accepting your plan option will NOT affect your credit score.
Highest Approvals
We approve more patients with affordable rates.
Friendly
No hidden fees. No prepayment penalty. No deferred interest. No surprises.
How it works
- Apply for a payment plan from your phone or desktop
- Check your rate and pick your payment plan
- Get the care you need
Get the care you need
Find a payment plan that fits your budget
| Take 5 | Take a Year | Take 2 Years | |
|---|---|---|---|
| Number of payments | 5* | 12** | 24** |
| Frequency | Bi-weekly | Monthly | Monthly |
| APR*** | 0% | Varies by applicant | Varies by applicant |
* First 20% down payment is due immediately. The remaining 4 payments of 20% each will be due every two weeks thereafter.
** Your monthly payment amounts on your loan will depend on your term length, the amount financed and APR. For example, a 12 month $10,000 loan with 5.99% APR would have 12 monthly payments of $860.62 for a total payment of $10,327.42. A 24 month $10,000 loan with 13.99% APR would have 24 monthly payments of $480.08 for a total payment of $11,521.96. The foregoing expected interest and repayment amounts assume you will make all payments in full on the scheduled due dates. Late payments or payments of less than the full amount due may result in higher interest charges and repayment amounts.
*** All payment plans and loans are subject to approval and, with respect to the loan, the rate for which individual borrowers qualify may vary based on individual credit history and other factors.
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