Installment Loans: $250–$5,000Fast Approval | Soft Credit Check

Get flexible financing with transparent rates. Bad credit considered. Decision in minutes.

Prequalifying uses a soft credit check that won't impact your score. If you accept an offer, the lender may perform a hard inquiry.

$250–$5,000 3–24 months (≥61 days) Max APR: 35.95% Example: $1,000 @ 24% for 12 mo ≈ $94.56/mo (~$1,134.72 total) Not available in NY, VT, AR, WV

256-bit SSL

2-min application

Soft credit check

$250–$5,000

Loan Amount

2 min

Application

3–24 mo

Flexible Terms

Soft Check

No Score Impact

How It Works

Step 1

Complete Quick Form

Tell us about your needs in 2 minutes. Soft credit check won't affect your score.

Step 2

Review Offers

Compare personalized loan options from multiple lenders instantly.

Step 3

Get Funded Fast

Choose your offer and receive funds as soon as the next business day.

Why Choose Scratchpay

Fast Decisions

Get a decision in minutes, not days. Most applications processed instantly.

Flexible Terms

Choose repayment terms from 3 to 24 months that fit your budget.

Transparent Rates

No hidden fees. Clear APR disclosure before you commit to anything.

Data Protection

Bank-level 256-bit SSL encryption keeps your information secure.

What Customers Say About Us

"The application process was incredibly simple and fast. I got matched with a lender within minutes and had the funds in my account the next day. This service saved me during a difficult time."

Sarah Martinez

Phoenix, AZ

"I appreciated being able to compare multiple offers without having to fill out separate applications. The process was transparent, and I found a rate that worked for my budget. Highly recommend!"

James Chen

Seattle, WA

"As someone with less-than-perfect credit, I was worried about getting approved. This service connected me with a lender who understood my situation and offered me reasonable terms. Very grateful!"

Lisa Parker

Austin, TX

"The entire experience was professional and hassle-free. No hidden fees, no surprises. Just straightforward service that helped me get the funds I needed for my car repair. Would definitely use again."

Michael Davis

Denver, CO

Loan Calculator

Estimate your monthly payment and total cost

Loan Amount $2,500

$250 $5,000

Term 12 months

3 mo 24 mo

APR 24.00%

4.95% 35.95%

Monthly Payment

$94.56

Total Cost

$1,134.72

Representative Examples

$250

APR 4.95%

Term 3 months

Monthly ≈ $84.10

Total Cost ≈ $252.30

Frequently Asked Questions

How quickly can I get funded?

If approved, many lenders can fund your loan within 1-2 business days. Funding speed depends on the individual lender and your bank's processing time.

Will checking rates affect my credit score?

No. Prequalifying uses a soft credit check that does not impact your credit score. If you accept an offer, the lender may perform a hard inquiry.

Are there any fees to use this service?

We do not charge consumers any fees for our connection service. Individual lenders may charge fees such as origination or late fees. Always review your lender's terms carefully.

What states do you serve?

We serve most US states. Our services are not available in New York, Vermont, Arkansas, and West Virginia.

What are the eligibility requirements?

You must be 18+, a US citizen or permanent resident, have a valid bank account, regular income, and valid contact information. Requirements may vary by lender.

How is my personal information protected?

We use 256-bit SSL encryption and industry-standard security measures to protect your data. We never sell your information without consent.

Contact Us

Mailing Address

Scratch-pay Financial
123 Financial Plaza, Suite 500
San Francisco, CA 94105

Email

contact@scratchpayvetonline.com

Hours

Mon–Fri 9am–6pm EST
Email support available

Ready to Get Started?

See personalized loan options in minutes. No impact to your credit score.