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Finally, a better way to pay back your loans.

Scratch has reimagined loan servicing to help borrowers understand, manage, and pay back their loans.

Whether you are a borrower or a lender, Scratch is here to be your partner.

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For borrowers

You took on debt to get ahead, not to fall behind. We're here to help you reach your goals.

Manage your loans

Make a payment, set up Autopay, change your due date, or track your loan progress.

Understand your debt
Connect with a Loan Guide
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For lenders

We've reimagined loan servicing to grow with you. As your loan servicing partner, we're dedicated to supporting your borrowers, your capital partners, and your team.

Give your borrowers a simple repayment experience

Empower your borrowers to stay on track for a financially healthy future.

Use daily reporting to grow your business
Innovate and expand your portfolio
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Ready to get started with Scratch?