Borrower Help Center
Get started with Scratchpay
- How do I contact Scratchpay?
- Do I have to use one of your listed practices? Can I suggest a practice?
- What is Scratchpay?
- Where can I use Scratchpay?
- Who can apply for a Scratchpay plan?
- How do I get the Scratchpay app?
Apply for a payment plan
- What if I accept a payment plan but end up not needing it at all?
- What if I accept a payment plan but end up needing less than or more than the amount I applied for?
- When should I apply for a Scratch Plan? When I'm at the practice, or before?
- What amount should I apply for?
- What payment plan options does Scratchpay offer?
- How do I apply for a Scratchpay plan?
Scratch Plan Types
- If I simply pay my minimum monthly payment for my loan that is eligible for the waived interest promotion, will I still have to pay interest?
- How do I redeem the no-interest benefit from the waived interest promotion?
- How do I qualify for the waived interest promotion?
- What is a Waived Interest Promotion?
- Will Take 5 increase my chances of being approved for a Scratchpay plan?
- Will applying for a Scratchpay plan affect my credit score?
Make a payment
- How do I make a payment on my Scratchpay plan?
- When is the first payment due on my Take 5 plan?
- Is autopay required for Scratchpay payment plans?
- Can I pay my Scratchpay payment by check?
- Does Scratchpay pay the practice immediately, and then I pay Scratchpay in installments from there?
- Are payments made automatically or do I need to pay manually?