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Who can apply for a Scratch Plan?

To be eligible, applicants must be residents of the U.S. or Canada who are 18 years of age or older. Children under 18 cannot participate in the offerings on this website.

See our Terms of Service here.



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.