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Available Scratch Plans

Scratch provides personalized offers based on each applicant's credit profile. As a result, not everyone will see our full range of plans after applying; you'll only see plans that match your individual approvals.

In the visual provided, please see an overview of the different Scratch Plan types currently available. In addition, we are excited to offer a unique Waived Interest Promotional Offer to qualified applicants.


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.