Finally, a better way to pay back your loans.

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

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


For borrowers

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

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Manage your loans

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

Understand your debt

Make informed decisions based on where you are in the lifetime of your loan.

Connect with a Loan Guide

Questions about your loan? Changes in your life? We'll help you plan for the best path forward.

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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.

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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

See accurate insights daily through our SFTP or reporting API.

Innovate and expand your portfolio

Go to market quickly with a partner that can service any asset class or feature.

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Ready to get started with Scratch?

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