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ScratchPay
Why Us Advantages How It Works


GET YOUR CASH LOAN UP TO $5000





HOW IT WORKS

The process is super fast and simple. It takes minutes to see results and enjoy
your extra cash

Ресурс 1
Submit A Request
All paperwork is gone! The whole process is completely online. Just fill
in a few details about yourself and hit “Get Started”!
Ресурс 3
Check The Offers
If the offer suits your needs and desires, and you agree with all the terms —
simply e-sign the deal and get ready to enjoy the money!
Ресурс 2
Receive Your Money
Once you submit your request, get your offer, and e-sign it, you’ll be able
to get the funds to your bank account in no time!


SCRATCHPAY.COM IS ON GUARD OF YOUR COMFORT AND TIME

Life can be unpredictable. At ScratchPay.com we do our best to offer fast and
safe solutions in any challenging situation. We implement the highest security
standards, as well as calibrated automated processes to make your experience
with us not only useful, but utterly pleasant as well!

Get Started

Advantages


HAVE NO TIME TO WASTE? CHOOSE US!

Just fill out our smart request form, get connected with a lender and enjoy your
extra cash!


Data protected
2048-bit SSL Encryption
Clear-cut Form
Quick Response
Plans for absolutely all credit types
No upfront or surprise hidden fees


HAVE A QUESTION?

We Have The Answer!

Annual Percentage Rate (APR)

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Annual Percentage Rate (APR) represents the annualized interest rate that you
are charged for borrowing. It is the combination of the nominal interest rate
and some additional costs such as fees involved in obtaining a loan. Typically,
APRs for personal loans range from 4.99% to 450%, APRs for cash advance loans
vary from 200% to 1386%, and APRs for installment loans range from 6.63%
to 225%. Since ScratchPay.com is not involved in the lending process, we can not
deliver any specifics about the APR you will be offered. The APR depends solely
on your lender’s decision, based on various factors including your credit score,
credit history, income, and some other information you supply in your request.
For more information regarding the APR contact your lender.

Representative Example of APR

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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.

Financial Implications (Interest & Finance Charges)

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ScratchPay.com is not a lender and we cannot predict what fees and interest rate
will be applied to the loan you will be offered. It is your lender that will
provide all the necessary information about the cost of the loan. It is your
responsibility to peruse the loan agreement carefully and accept the offer only
if you agree to all the terms. ScratchPay.com service is free of charge, and you
are under no obligation to accept the terms that the lender offers you.

Implications of Non-Payment

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When you accept the terms and conditions for a loan, you enter into a commitment
to repay the amount you owe according to the specific schedule outlined in the
documents. In the event of non-payment, additional charges may be applied. Late
payment penalties vary by lender, and as ScratchPay.com is not involved in the
lending process, we cannot supply any information on the fees you will incur
if any default occurs. For more information, please contact the lender directly
if you have any issues relating to your loan repayment.

Potential Impact on Credit Score

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ScratchPay.com is not a lender and we do not check your credit standing and
credit capacity. When you submit a request at our online platform, this
is considered a soft inquiry and does not impact your credit score. However,
some lenders may carry out a credit check to ascertain your eligibility for
a loan. Most likely they will turn to any of the three major credit bureaus
(Transunion, Experian, and Equifax) that is in most cases considered a hard
inquiry and may affect your credit score.

Collection Practices

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ScratchPay.com is not a lender. As such, we are not involved in any debt
collection practices and cannot make you aware of any of them. Your lender will
specify their collection practices in your loan agreement. If you have any
questions regarding the issue, please, address them to your lender. For more
information visit our page for Responsible Lending. ScratchPay.com itself isn’t
involved in debt collection.

Loan Renewal Policies

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Loan renewal options are not always available. It is therefore advisable
to clarify whether the option is available with your lender. Be sure
to carefully peruse the renewal policy presented in the agreement before you
sign the documents.
Marketing Practices Privacy Policy Rates and Fees Responsible Lending Terms of
Use
Email:

contact@ScratchPay.com

Disclaimer: ScratchPay.com is not an offer or solicitation to lend. We do not
make any loan or credit decisions and are not representatives, brokers or agents
of any lender. Participating lenders offer loans from $200 up to $5,000. Not all
lenders can offer you amounts up to $5,000. Our service is not available in all
states. Submission of a request through this website does not guarantee that you
will receive a loan offer or an offer you’ll be satisfied with. Funds transfer
time may vary depending on your lender and/or financial institution. If you have
any questions about your loan, please contact your lender directly. Credit
checks may be performed with the three reporting credit bureaus: Experian,
Equifax, and TransUnion. Submission of a request means you are authorizing the
lenders to check your creditworthiness and your personal details.
This service is not a solicitation for loan products and does not constitute
a loan offer for any loan products that are prohibited by state law. This
service is void where prohibited.
State Availability: Not all lenders from our system operate in all US states.
Residents of some US states may not be eligible for loan products in accordance
with their legislation. By selecting your State at the start of our loan offer
process, you shall be informed of any limitations regarding obtaining a loan
if you reside in individual US states.
This website collects personal information and transfers it to its third-party
partners.
The website contains links to third-party websites. Accessing them may result
in a commission.
Please note that personal loans should not be treated as financial cure-it-all.
If you have major budget difficulties, consult specialists first.

Copyright © 2023 ScratchPay.com All Rights Reserved.

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