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ScratchPayFinance.com
How ScratchPayFinance.com Helps You Get Fast Loans
We make getting a loan simple, fast, and secure with our streamlined online process
Fast Funding Process
Quick loan funds transferred directly to your account when approved
Flexible Loan Amounts
Loan amounts from $200 to $5,000 to meet your needs
Personal Service
Customized loans suited to your personal financial needs and circumstances
Loan Information & Rates
Transparent loan pricing and terms to help you make informed financial decisions
Annual Percentage Rate (APR) for Loans
At ScratchPayFinance.com we connect you with lenders offering competitive APR rates ranging from 4.95% minimum to 35.95% maximum. The APR you may be offered depends on different factors, including your personal financial situation and credit standing. By completing our online loan application form you shall receive details of the APR and full terms of any loan offered to you.
The actual interest rate you may be offered depends on several factors: your credit score, financial history, income, employment status, and loan amount requested. Contact your matched lender for more information about the specific APR you may receive and the complete terms of your loan agreement.
Loan Repayment Terms (Repayment Period)
| Minimum Repayment Period | Maximum Repayment Period |
|---|---|
| 65 days | 84 months (7 years) |
Loan Examples - Costs & APR Calculator
Representative loan examples showing different amounts, rates, and terms
| Loan Amount | Interest Rate | Loan Term | Fee | Monthly Payment | APR | Total Payments | Total Cost |
|---|---|---|---|---|---|---|---|
| $1,000 | 24.00% | 12 months | 3.00% | $94.56 | 29.82% | $1,134.72 | $164.72 |
| $2,000 | 19.00% | 24 months | 5.00% | $100.82 | 24.12% | $2,419.68 | $519.68 |
| $2,500 | 16.00% | 36 months | 10.00% | $87.89 | 22.93% | $3,164.13 | $914.13 |
| $5,000 | 13.00% | 48 months | 12.00% | $131.67 | 18.23% | $6,320.12 | $1,920.12 |
Representative Loan Example (Qualified Customers)
Example: If you borrowed $5,000 over a 84 month period and the loan had an 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total payback amount of $6,320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1,720.12. Representative 35.95% APR.
Important Financial Services Disclosure
APR & Interest Rates
Annual Percentage Rate (APR) ranges from 4.95% to 35.95%. The APR you receive depends on your creditworthiness, income, loan amount, loan term, and other factors determined by the lender.
Loan Amounts & Terms
Loan amounts: $200 to $5,000. Repayment terms range from 65 days to 84 months. Actual amounts and terms vary by lender and state regulations.
Fees & Costs
Lenders may charge origination fees ranging from 0% to 12% of the loan amount. Late payment fees, prepayment penalties, and other fees may apply depending on the lender. Always review your loan agreement carefully for all applicable fees.
We Are Not A Lender
ScratchPayFinance.com is a lead generation and marketing service operated by THREADED BY SABRINA LLC. We are NOT a lender, broker, or financial institution. We do not make credit decisions or determine loan terms. We connect consumers with participating third-party lenders who may offer loans.
No Guarantee of Approval
Submitting a request through our service does not guarantee that you will be matched with a lender or approved for a loan. Lenders have their own eligibility criteria and credit requirements. Approval rates vary.
State Availability
Service availability and loan terms vary by state. Some lenders may not be available in all states. Residents of some states may not qualify. State lending laws and regulations apply.
Representative Example: If you borrowed $5,000 over 84 months with an 8% origination fee ($400) and 18.23% APR, your monthly payment would be $131.67, with total payments of $6,320.12 and total cost of $1,920.12 including all fees and interest.
Warning: Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Late payments may result in additional fees and charges from your lender.
Frequently Asked Questions About Loans
Get answers to common questions about our online loan services, application process, and requirements
What is a short term loan?
Short term loans are designed around addressing an immediate financial need or emergency. This could be an unexpected medical bill, a broken down car or an urgent boiler repair, etc. The loan amount range is usually up to $5,000 and the term can range from under 30 days for a payday style loan to monthly or weekly installments for an installment style loan. These emergency loans provide quick cash when you need it most.
How does our online loan matching work?
We provide an online marketplace connecting borrowers with trusted lenders to support Americans in need of fast cash. Our website makes the process of finding a lender to meet your financial needs faster and easier! Avoid wasting hours of your time applying individually on several websites, and simply apply by submitting your information to our vast network of loan lenders through one easy online application.
Will we charge you for using our loan matching service?
There is no cost to fill out our online loan application form and submit your information through our website. As a loan marketplace, we simply connect you to a prospective lender and receive a commission from successful matches. We do not receive any information that allows us to evaluate or compare offers from potential lenders. Please carefully review any loan offer you receive from a lender to make sure it meets your needs and you fully understand the terms before proceeding to take out a loan.
Can I get a loan with poor credit or bad credit?
Qualifying with a short-term lender can be easy and they are used to working with people in many different financial situations. Here are the basic qualifications for loans:
- • Currently employed or receiving regular income
- • Make at least $800 per month in verifiable income
- • 18 years of age or older and a U.S. resident
- • Have an active checking account in good standing
- • Other requirements may apply based on the individual lender's criteria
How quickly will the loan funds be deposited into my account?
If a lender offers you a loan with terms and you accept straight away, it is possible to get the money deposited into your bank account within one business day. It can take up to a few days if you are accepting a loan offer on a weekend, holiday, or any other non-business day. The timing may affect how long it will take for you to receive your funds; in these cases, it may take a bit longer for the money to appear in your account.