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Understanding Scratch Plan Interest Rates

Interest rates for Scratch Plan 12 & 24 Months are tailored to each applicant's credit profile. Your specific interest rate is determined after you apply, as it depends on your comprehensive personal and financial information. Rest assured, applying for a payment plan won't affect your credit score.

Once approved for a Scratch Plan, you'll see your interest rate in the plan details. If you're not content with the offered rate, you can decline the plan at no cost, and it won't affect your credit score in any way.

Please note, these interest rates only apply to our 12 and 24 Month Scratch Plans. Our Scratch Plan Bi-Weekly have 0% APR, so no interest will ever be applied.


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.