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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Apply for a Scratchpay's loan


How to Apply


To be eligible to apply for a payment plan, you should meet the following criteria:

  • Credit score. Your credit score should be above 580;

  • Age. Borrowers should be at the age of 18 or more;

  • Previous or current debts. You should not have any other overdue payments from any Scratchpay account.

Application details

Scratchpay can collect your personal information, such as social security number, income, payment history, transaction history, credit history, and credit scores, depending on the type of medication you want.

Text PLAN to 97364 or click "Find a payment plan" on the website after providing your phone number. Once Scratchpay contacts you, complete the application form by providing your personal and financial information, and wait for an approval decision. If Scratchpay approves your application, you will receive an email with an "Agree and Submit" option. Click this button and get your medical care.


Is it hard to get approved for Scratchpay?

Every case is individual, but if you meet the basic criteria, you have a good chance of getting fast approval.

Is Scratchpay easy to get?

According to online reviews from real customers, people do not have problems getting approval. If you are worried about your chances of getting a loan, contact the support team to make sure that you have the best chance of approval.

What score is needed for Scratchpay?

You need to have a minimum score of 580 — or higher — to receive approval at Scratchpay.

Calculate loan payments in Scratchpay

Scratchpay calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

100 $
10000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Scratchpay

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Scratchpay and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Scratchpay’s reviews by September 2022
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