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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?
  • What are the differences between the Take 5 plans and other Scratchpay options?
  • Is a down payment required for all Take 5 plans?





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Scratch Plans originated in the United States are issued by WebBank. Scratch Plans originated in Canada are issued by ©Scratch Financial, Inc. ©Scratchpay (NMLS ID#: 1582666). Scratch Plans are loan products subject to eligibility.

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