The decision is simple.

Quick, no-surprises application

• Our application is simple & your plan terms are presented clearly during your application. No hidden fees or prepayment penalties!

Custom payment terms

• We know every situation is unique, so your options will be too. Scratchpay customizes your terms using a holistic application process.

Easy monthly payments

• Once you use Scratchpay, our app makes it simple to manage your payments. Autopay is available to set up automatic scheduled monthly payments.