About & Disclosure

About Scratchpay

Scratchpay is a tradename of Scratch-pay Financial, a California-registered loan connection service. We connect consumers seeking personal installment loans with a network of participating lenders.

Important Disclosures

We Are Not a Lender

Scratchpay is not a lender and does not make credit decisions. We provide a free service that connects consumers with lenders who may offer loan products. Loan approval is not guaranteed.

No Obligation

Submitting a loan request through our platform does not obligate you to accept any loan offer. You are free to review all offers and decline if the terms do not meet your needs.

Lender Network

We work with a network of participating lenders. When you submit a request, your information may be shared with multiple lenders for evaluation. Each lender operates independently and has its own terms, rates, and fees.

Credit Checks

Prequalifying through Scratchpay involves a soft credit check that does not impact your credit score. If you accept a loan offer, the lender may perform a hard credit inquiry.

Fees and Costs

Scratchpay does not charge consumers any fees. Individual lenders may charge origination fees, late fees, and other charges. Always review the lender's terms carefully.

State Availability

Services not available in NY, VT, AR, WV.

Contact Information

Scratch-pay Financial
123 Financial Plaza, Suite 500
San Francisco, CA 94105
Email: contact@scratchpayvetonline.com