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Consumer Advisory: APR Rates Range From 5.99% to 35.99% Maximum APR for
qualified consumers.
GetScratchPayment.com
GetScratchPayment.com
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Available for all credit types
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How can GetScratchPayment.com help?
Mobile Friendly
Easy application online and from your mobile on-the-go
Fast Funding
Funds transferred quickly to your account when approved
Loan Amounts
Loan amounts offers from $200 to $3,000
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Loans suited to your needs and circumstances
Important Information & Disclosures
Short summary Start APR

0% - 34% depends on the applicant’s financial history, assets, income, credit
history, and other factors.

Repaymen term

Minimum 91 Days - Maximum 74 months.

Repaymen term
If you borrow $2,500 over a term of 1 year with an APR of 10% and a fee of 3%,
you will pay $219,79 each month. The total amount payable will be $2,637, with a
total interest of $137,48.

The following table represents sample rates, is for informational purposes only,
and may not reflect the actual APRs offered by your lender and/or lending
partner. The repayment terms are for close end loan products, and is not
reflective of all loan products offered in our network. However, The minimum
repayment period for any loan will be 90 days from the date the loan is issued.
The maximum repayment period is 3 years

Representative Example (Qualified Customers)

If you borrowed $5,000 over a 48 month period and the loan had a 8% arrangement
fee ($400), your monthly repayments would be $131.67, with a total pay back
amount of $6320.12 which including the 8% fee paid from the loan amount, would
have a total cost of $1720.12. Representative 18.23% APR.

Frequently Asked Questions
What is a short term loan?

Short term loans are designed around addressing an immediate financial need or
emergency. This could be an unexpected medical bill, a broken down car or an
urgent boiler repair, etc. The loan amount range is usually up to $1,000 and the
term can range from under 30 days for a payday style loan to monthly or weekly
installments for an installment style loan
How does GetScratchPayment.com work?

We provide an online marketplace connecting borrowers with trusted lenders to
support Americans in need. Our website makes the process of finding a lender to
meet your needs faster and easier! Avoid wasting hours of your time applying
individually on several websites, and simply apply by submitting your
information to our vast network of lenders through one easy application
Will GetScratchPayment.com charge me for using its service?

There is no cost to fill out a form and submit your information through our
website. As a marketplace, we simply connect you to a prospective lender and
receive a commission. We do not receive any information that allows us to
evaluate or compare offers from potential lenders. Please carefully review any
offer you receive from a lender to make sure it meets your needs and you fully
understand the terms before proceeding to take out a loan.
Can I get a loan with poor credit?

Qualifying with a short-term lender can be easy and they are used to working
with people in many different situations. Here are the basic qualifications:
Currently employed or receiving regular income:
 * Make at least $800 per month
 * 18 years of age or older and a U.S. resident
 * Have an active checking account
 * Other requirements may apply based on the individual lender

How quickly will the funds be deposited?

If a lender offers you a loan with terms and you accept straight away, it is
possible to get the money deposited into your account within a business day. It
can take up to a few days if you are accepting a loan offer on a weekend,
holiday, or any other non-business day. It may affect how long it will take for
you to get your money; in these cases, it may take a bit longer.
2024 GetScratchPayment.com, United States of America – All Rights Reserved
Footnotes:
(*) Your funds could be sent to your account as soon as 15 minutes once you have
been approved. Your bank’s policies and procedures will determine how long it
takes for the funds to arrive in your account.
(**) The offer process is completed in an average time of 3 minutes but can be
completed within as little as 1 minute. You will receive a loan offer after
submitting all required details if you’re approved.
(***) Some of our providers offer rates as low as 5.99% APR but these rates are
not available to every customer. Repayment terms can vary, are for closed end
loan products and do not reflect the full range of products available throughout
our network.
Material Disclosure
APR Disclosure. Annual Percentage Rate (APR) refers to the annual interest
generated by a sum that is then charged to borrowers. APR is expressed as a
percentage that represents the annual cost of borrowing over the term of the
loan. This figure includes any fees or additional costs associated with the
loan. The APR provides consumers with one bottom-line number they can compare
with other loan offers, credit cards, or investment products.
GetScratchPayment.com cannot guarantee any APR as we are not a lender ourselves.
An APR can generally run between 5.99% up to 35.99%. Loan products generally
have a 61-day minimum repayment term and a 6 year maximum repayment term. When
considering accepting a loan from a lender within the GetScratchPayment.com
network, please read any agreement docuemntation carefully as the APR and
repayment terms may differ from what is listed on this site.
Representative Examples of APR can be found in the Loan Information section of
our homepage.
Material Disclosure. The operator of this website is not a lender, loan broker
or agent for any lender or loan broker. We are an advertising referral service
to qualified participating lenders that may be able to provide amounts between
$100 and $1,000 for cash advance loans, up to $5,000 for installment loans. Not
all lenders can provide these amounts and there is no guarantee that you will be
accepted by an independent, participating lender. This service does not
constitute an offer or solicitation for loan products which are prohibited by
any state law, and we do not predict or determine the interest rates and finance
charges applied to any loan offered by lenders. This is not a solicitation for a
particular loan and is not an offer to lend. We do not endorse or charge you for
any service or product. Any compensation received is paid by participating
lenders and only for advertising services provided. This service and offer are
void where prohibited. We do not control and are not responsible for the actions
of any lender. We do not have access to the full terms of your loan, including
APR, which may vary based on your creditworthiness, state, and lender or lending
partner. For details, questions or concerns regarding your loan please contact
your lender directly. Only your lender can provide you with information about
your specific loan terms, their current rates and charges, renewal, payments and
the implications for non-payment or skipped payments. The registration
information submitted by you on this website will be shared with one or more
participating lenders. You are under no obligation to use our service to
initiate contact with a lender, register for credit or any loan product, or
accept a loan from a participating lender, but it is your responsibility to
carefully review and accept the terms of any loan offer. Cash transfer times and
repayment terms vary between lenders. Repayment terms may be regulated by state
and local laws. Some faxing may be required. Be sure to review our FAQs for
additional information on issues such as credit and late payment implications.
These disclosures are provided to you for information purposes only and should
not be considered legal advice. Use of this service is subject to this site’s
Terms of Use and Privacy Policy.
Service Role and Limitations. GetScratchPayment.com acts solely as a referral
service and is not a lender. We do not predict or determine the fees, interest
rates, or other financial implications associated with any loans you may be
offered by participating lenders. Our role is to connect you with our network of
qualified lenders, and we do not participate in the decision-making process
regarding loan approvals, terms, or conditions. It’s important for users to
understand that our service involves no predictive assessment or guarantee of
the loan terms you may receive.
Exclusions. Residents of some states may not be eligible for some or all
short-term, small-dollar loans. Residents of Arkansas, New York, New Hampshire,
Vermont and West Virginia are not eligible to use this website or service. The
states serviced by this website may change from time to time, without notice.
Credit Implications. The operator of this website does not make any credit
decisions. Independent, participating lenders that you might be connected with
may perform credit checks with credit reporting bureaus or obtain consumer
reports, typically through alternative providers to determine credit worthiness,
credit standing and/or credit capacity. By submitting your information, you
agree to allow participating lenders to verify your information and check your
credit to assess your creditworthiness, credit standing, and credit capacity. By
engaging with our service and submitting your information, you consent to allow
these credit checks by potential lenders. It is important to understand that
missing a payment or making a late payment on a loan can negatively impact your
credit score. Loans provided by independent, participating lenders in our
network are designed to provide cash to you to be repaid within a short amount
of time. The short-term loans are not a solution for long-term debt and credit
difficulties. Only borrow an amount that can be repaid on the date of your next
pay period. Consider seeking professional advice regarding your financial needs,
risks and alternatives to short-term loans. Late Payments of loans may result in
additional fees or collection activities, or both. Each lender has their own
terms and conditions, please review their policies for further information.
Nonpayment of credit could result in collection activities. Please note that
GetScratchPayment.com is not a lender and does not engage in debt collection.
The collection practices of each lender in our network are provided in their
respective loan agreement. Every lender has its own renewal policy, which may
differ from lender to lender. Please review your lender’s renewal policy.
GetScratchPayment.com is a trading name of Marquardt-Bayer. We are a referral
service only and do not directly fund any credit product. Your request will be
referred to a third-party lender who will contact you directly to ascertain if
they can facilitate your requirements, as we do not directly fund any credit
product. The third party will appraise you of their fees, charges and terms
before you would enter any contract with them. We may receive a referral fee
(amount not ascertainable) from the third party depending on the outcome of
their dealings with you. It is recommended that you obtain independent legal and
financial advice before taking up any products that you may be referred to and
offered.
Marquardt-Bayer, company number 854123. Address: 5563 Richie Meadow Suite 808
Florence, KY 41022