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Can I make extra payments or pay off my Scratch Plan early?

Certainly! If you have extra funds available, you can make additional payments at your convenience, and there are no prepayment fees or penalties. Making early payments will decrease the amount of interest that accumulates on plans with interest. To make an additional payment, log in to the Scratch Borrower Portal or access the app. For specific information on how payments are applied to outstanding balances, please refer to our Terms of Service.

If you need additional assistance, Scratch Support Specialists are available 24 hours per day, 7 days per week!