Responsible Lending

Our Commitment

Scratchpay is committed to promoting responsible lending practices and connecting consumers only with lenders who adhere to fair lending standards.

Borrow Responsibly

• Only borrow what you need and can afford to repay
• Understand the terms including APR, fees, and repayment schedule
• Consider alternatives such as credit unions or payment plans
• Have a repayment plan before accepting a loan

Lender Standards

We partner only with lenders who:

• Comply with applicable state and federal lending laws
• Provide clear disclosure of terms and fees
• Offer reasonable repayment terms (minimum 61 days)
• Do not engage in predatory lending practices

Resources

For financial guidance and debt management resources, visit:
Consumer Financial Protection Bureau (CFPB)