Lender
Rating by Finanso®
i

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.

Scratchpay PayOff

Advertiser Disclosure

Repayment of loan

You can make a payment with your credit/debit card or a bank account via ACH for the USA and PAD for Canada. If you use bank transactions, no fees are issued. If you use a debit or credit card, a 2.50$ fee may be included depending on your state laws.

You can access the payment options via the app or your account on the website. You will need to log in and choose the "Individual Plan'' option. Under the "My payments" tab, you will see your scheduled payments. After clicking the "Make a payment" option, fill in your card data and tap the "Confirm&Pay" button.

Early payoff

There is no early payoff penalty or fee in Scratchpay. If you want to pay off your loan early or add a certain amount of money to your basic monthly payment, there are no obstacles to doing that.

FAQ

How do I make a Scratchpay payment?

All your payment options are available in your app or your account on the website. Log in and choose the "Individual Plan" option. Select the menu button (three lines on the left corner) and click on the "My payments" button. You will see your scheduled payments and the "Make a payment" button. After selecting the "Make a payment" option, fill in your card data and select the "Confirm&Pay" button.

What happens if you miss a Scratchpay payment?

If you are overdue for your payment, you have a ten days grace period before you are in default. Late payments will include additional late fees, which depend on your state of residence. To know details about your individual situation, contact the support team. They will explain to you what your fees will be and what to do in your case.

Can I pay off Scratchpay early?

Yes, you can. Early prepayment will reduce your interest rate without any penalty. Contact the support team to know how the early payment will change your interest status.

Financial products
Scratchpay
Scratch Plan
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
$150 - $10,000
Rate
i

Effective interest rate on the product

up to 36% APR
Term
i

Loan term for the financial product

from 6 to 24 month
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Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
100.00 – 20000.00 $
Rate
i

Effective interest rate on the product

from 0.05 %
Term
i

Loan term for the financial product

5 days – 3 months
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
100.00 – 4000.00 $
Finanso
Personal Loans
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
2000.00 – 100000.00 $
Rate
i

Effective interest rate on the product

6.34 – 35.89 %
Term
i

Loan term for the financial product

2 months – 72 months
Rating by Finanso®
i

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.

4.25
(20 Ratings)
Recommended FinScore™
0
300
650
1000
to 1500.00 $
Rate
i

Effective interest rate on the product

to 160.00 %
Calculate loan payments in Scratchpay

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

Scratchpay calculator
Interest rates are given in accordance with the rates of the Scratchpay of 23.05.2024
Loan amount
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Enter the desired loan amount

USD
USD
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Loan term
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Specify the loan term for the calculation

months
days
6
24
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