State Licenses

Operating States

Scratchpay (operated by Scratch-pay Financial) operates as a loan connection service in accordance with applicable state and federal laws.

Service Availability

Our services are available in most U.S. states with the following exceptions:

• New York (NY)
• Vermont (VT)
• Arkansas (AR)
• West Virginia (WV)

Compliance

We ensure compliance with all applicable state lending laws and regulations. Our network of lenders maintains all necessary licenses and registrations required to operate in their respective states.

Contact

For state-specific licensing questions:
Email: contact@scratchpayvetonline.com