Exploring Scratch Pay Plans
We offer several different payment plan options. Please note that not all applicants will qualify for all plan types based on factors such as credit profile and amount requested:
Scratch Pay Bi-weekly: 0% APR offer, where the plan amount is split into 5 equal payments. Your client pays the first installment at the time of application, then makes each of the remaining 4 payments every two weeks.
Scratch Pay 12 months: 12-month plan made up of 12 equal payments, with interest rates varying by client. This plan requires a down payment at the time the plan is accepted and e-signed.
Scratch Pay 24 months: 24-month plan made up of 24 equal payments, with interest rates varying by client. This plan requires a down payment at the time the plan is accepted and e-signed.
Waived Interest Promotional: 6-month plan where the interest is waived if the client makes a down payment, enrolls in auto-pay, and pays off their plan in full within the promotional timeframe.