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Missed Payments & Late Fees

If you have already missed your scheduled payment or are worried you can't make an upcoming payment toward your plan, call our Payment Planning Team at 855-727-2395. Our payment planning specialists are committed to getting you back on track by helping you set up a payment arrangement that fits your budget.

Scratch Plan late fees vary by state and product. To find out what fees apply to your Scratch Plan, reference your Promissory Note sent to the email address used in your application or found in the My Documents tab on the Scratch Borrower Portal.


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.