Rates & Fees

Loan Terms

• Loan Amounts: $250 to $5,000
• Repayment Terms: 3 to 24 months (minimum 61 days)
• APR Range: 4.95% to 35.95%

Representative Examples

• $250 @ 4.95% APR / 3 months ≈ $84.10/mo (total ≈ $252.30)
• $1,000 @ 24% APR / 12 months ≈ $94.56/mo (total ≈ $1,134.72)
• $5,000 @ 35.95% APR / 24 months ≈ $295.20/mo (total ≈ $7,085)

Important: APR = Annual Percentage Rate. These are estimates only. Actual rates, terms, and fees vary by lender and your creditworthiness.

Our Fees

Scratchpay does not charge consumers any fees for our loan connection service. Our service is free to use.

Lender Fees

Individual lenders may charge fees including:

• Origination fees (typically 1-8% of loan amount)
• Late payment fees
• Returned payment fees
• Prepayment penalties (uncommon)

Always review your lender's specific terms and fee schedule before accepting any loan offer.

State Restrictions

Services not available in: New York, Vermont, Arkansas, and West Virginia.

Compliance Note

Loans with APR ≥ 36% are not available to U.S. consumers.