scratchpay.com FAQ

What is scratchpay.com?

Scratchpay.com is an online platform that provides payment plans and financing options for medical expenses, primarily focusing on veterinary care.

It connects users with loans, issued by WebBank in the US, to cover costs like emergency surgeries, routine care, or other treatments.

How does Scratchpay.com work for borrowers?

Borrowers apply online through a simple process, check their eligibility (which doesn’t affect their credit score), select a payment plan with varying APRs (0% to 36%), and then get the medical care they need, with funds typically disbursed directly to the provider. Repayments are made monthly.

Does Scratchpay.com perform a credit check?

Yes, checking your eligibility for a plan involves a soft credit inquiry that does not impact your credit score. Is Codegopay.com Safe to Use?

However, if you are approved and accept a Scratch loan, repayment activities may be reported to credit bureaus, which can affect your credit score.

What are the typical APRs offered by Scratchpay.com?

APRs on Scratchpay.com can vary significantly based on the applicant’s credit profile and other factors, ranging from 0% to 36%. Borrowers with “exceptional credit profiles” are eligible for the lowest rates.

What are the loan amounts and terms available on Scratchpay.com?

Scratchpay.com offers loan amounts ranging from $200 to $10,000. Payment plan terms are available from 12 months to 36 months.

Is there a down payment required for Scratchpay.com plans?

Yes, a $15 down payment is required to obtain financing through Scratchpay.com.

Are there any prepayment penalties with Scratchpay.com?

No, Scratchpay.com states that there are no prepayment penalties, meaning borrowers can pay off their loan early without incurring extra fees. How Does saddamkassim.com Work?

What happens if I make a late payment on Scratchpay.com?

Standard late fees apply for partial or late payments.

These fees may result in higher interest charges and could impact your repayment schedule.

Is Autopay available with Scratchpay.com?

Yes, Autopay is an optional feature that allows monthly payments to be automatically withdrawn from your bank account or debit card on the payment due date.

Who issues the loans on Scratchpay.com in the US?

In the United States, Scratch Pay plans are issued by WebBank, which is a state-chartered industrial bank.

In Canada, they are issued by Scratch Financial, Inc. How Does Scratchpay.com Work?

Can I use Scratchpay.com for any type of medical expense?

While primarily known for veterinary financing, Scratchpay.com can be used for a range of medical expenses.

It’s best to check with your specific healthcare provider to see if they accept Scratchpay.

How quickly can I get approved for a Scratchpay.com plan?

The application process is designed for speed, with some users reporting approval in under 15 minutes. However, approval times can vary.

What is the NMLS ID for Scratchpay.com?

Scratchpay (Scratch Financial, Inc.) is registered under NMLS ID#: 1582666. This indicates its registration with the Nationwide Multistate Licensing System & Registry.

How can I log into my Scratchpay.com account?

You can log into your Scratchpay.com account through the “Account” link, typically found in the main navigation or footer of their website, or directly at account.scratchpay.com. You will need your registered email and password. Missmary.com Trustpilot Reviews Overview

What if I forget my Scratchpay.com password?

If you forget your Scratchpay.com password, there is typically a “Forgot Password” link on the login page that allows you to reset it via email verification.

How can I contact Scratchpay.com customer support?

Scratchpay.com provides a “Contact us” page on their website, which would offer methods such as an online contact form, email address, or phone number for customer support.

Are refunds available for unused Scratchpay.com plans?

Yes, Scratchpay.com states that refunds are given for unused plans.

Does Scratchpay.com have a mobile app?

The Scratchpay.com website indicates the availability of an app with a “Get the app” link, suggesting a mobile application exists for convenient access to your account and services.

What kind of information is available in the Scratchpay.com “Legal” section?

The “Legal” section on Scratchpay.com typically contains important documents such as the Privacy Policy, full Terms & Conditions, and information about their Credit Education Program. Is Scratchpay.com a Scam?

Where can I find Scratchpay.com reviews from other users?

Beyond the testimonials on Scratchpay.com’s homepage, you can often find reviews on independent platforms like Trustpilot, the Better Business Bureau (BBB), or financial forums to get a broader perspective from other users.