Are payments made automatically or manually?

We encourage all borrowers to enroll in autopay. Autopay ensures timely payments and offers financial advantages by preventing late fees and avoiding convenience fees associated with manual one-time payments. Borrowers can choose to enroll in autopay using a bank account, debit card, or credit card.

But, we also accept one-time payments too. Get started by navigating to the Scratch Borrower Portal, or access your account through the Scratchpay App on your iPhone or Android device.